The Research On Optimization Of Forest Insurance Management Model

As an effective risk management mechanism,forest insurance is an important means to disperse and transfer forestry risk,stabilize peasants' income and promote forestry development.At present,China's new round of forest insurance pilot work is carried out nationwide,the implementation of the policy of forest insurance system under the framework of the Government + market model.In this mode of operation,the government through financial subsidies and grassroots administrative departments of the coordination of the system to provide rapid development of forest insurance,but the government's system supply has not played its due incentive and restraint role.Therefore,the research on forest Insurance management mode has become an urgent need.Based on this background,this paper puts forward the optimum design of forest insurance management model based on the case study of forest insurance base practice.Firstly,this paper reviews the development course and business model of forest insurance,and considers that the government is necessary to intervene in forest insurance.At the same time,it summarizes the current situation and problems of the policy-oriented forest insurance,and provides the research ideas for the post-top design.Secondly,combining with the grassroots practice of the Yanling County,from the management goal,the supply subject,the demand subject and the operation mechanism four aspects deeply analyzed the Yanling County Forest Insurance management model,and reveals the plight of Yanling County policy support forest insurance development.Finally,the paper constructs the forest insurance model of the commercial insurance company which.is based on the farmer cooperatives and the government-led commercial.and studies how to ensure the good operation of the model from the internal mechanism,microcosmic sufficiency condition and the policy safe-guard mechanism of the participant.The main conclusions of this paper are as,follows:(1)Forest insurance is a quasi-public product with strong externality,which is policy-oriented in itself.Therefore,the government should be reasonably involved in forest insurance,Providing legal and financial policy support.(2)According to the grassroots practice research,it is found that the forest farmers' direct participation in forest insurance management mode is lack of right to know and can not guarantee their own rights and interests.(3)The optimum strategy of the tripartite cooperation of the forest Insurance participation is:independent insurance forest insurance,insurance companies operating forest insurance,the government subsidies for forest insurance.(4)The forest insurance business model which is based on the peasant cooperatives,the government-guided commercial insurance company should be constructed.