Effect Evaluation Of Inner Mongolia Insurance Premium Of Public Welfare Forest Insurance

The state has spent large sums of money to demarcate public welfare forests to protect the ecological environment,maintain ecological balance,and ensure ecological security.In view of the fact that forests are at risk of disasters such as fires,pests and diseases,the state encourages the public welfare forest insurance and invests a large amount of funds for public welfare forest insurance premiums to provide subsidies.Therefore,there is an urgent need to evaluate the performance of the public welfare forest insurance premium subsidy in order to ensure the efficiency of the use of fiscal funds and the realization of fiscal expenditure.This study takes Inner Mongolia(excluding Inner Mongolia Forest Industry)as an example to evaluate the effectiveness of China's public welfare forest insurance premium subsidy,including six aspects and two aspects:system construction,capital investment,market development,risk protection,disaster prevention and reduction,and post-disaster recovery.At the same level,an evaluation framework for the effect of insurance premium subsidies for public welfare forests in Inner Mongolia was constructed.Through the evaluation of the insurance premium subsidies for Inner Mongolian public welfare forests based on 14 specific indicators,the following conclusions were reached:Inner Mongolian public welfare forest insurance premium subsidy performed well overall:policies and subsidy funds The investment is relatively stable,and a relatively complete subsidy system has been established;the coverage rate has achieved full coverage and the demand for participating insurance has been met;the loss ratio is higher than that of other provinces insured,providing the expected risk protection for the production of public welfare forests;It is better to complete the recovery after the disaster.However,the premium of the public welfare forest insurance premium in Inner Mongolia also has problems such as high concentration of public welfare forest insurance market,excessive participation of high government,weak prevention and mitigation of public welfare forest insurance,and low completion rate of claims funds.In response to these problems,it is recommended to adopt clear guiding principles of "government participation and market operations";set up policy support systems and clearly participate in the responsibilities of all parties;construct pre-disaster prevention mechanisms and establish forest insurance funds;improve the mechanism of damages and settlements,and guarantee the payment of special funds It will be used exclusively to improve the implementation of the insurance premium subsidy policy for the Inner Mongolian Public Welfare Forest Insurance.