Study On The Determination Of Forest Fire Insurance Premium Rate Based On Risk Division

Forest fire insurance can be effective high forest anti-risk ability,play an important role in the development of forestry protection.China's forest fire insurance market there are many problems,one of the most important problem is the insurance rate to determine the method is simple,the lack of scientific and rational theoretical basis,resulting in the insured to pay premiums and insurers bear the risk of imbalance,seriously restricting the forest Fire insurance healthy and stable development.The forest fire insurance rate is determined based solely on risk factors.To this end,this study constructs the forest fire risk zoning index system,carries on the fire risk level division to our country,estimates the forest fire insurance rate according to the regionalization result,and establishes the theoretical basis for our country forest fire insurance rate.First of all,the paper elaborates the basic concepts of forest fire insurance,risk zoning and rate determination,and discusses the problems of forest fire insurance development in China in the light of the research progress of forest fire insurance at home and abroad and the development of forest fire insurance in China.From the four dimensions of the disaster environment,the disaster factors,the affected body and the loss index,the index system of the forest fire risk level is reasonably constructed,and the clustering analysis is used to divide the fire risk level of the forest in China.Different risk areas:high risk areas including Heilongjiang,Yunnan,Inner Mongolia,Sichuan,Fujian;higher risk areas including Gansu,Jiangxi,Hunan,Jilin;general risk areas,including Guangxi,Beijing,Shanxi and other eight provinces and cities;Low risk areas,including Hubei,Tianjin,Liaoning and other 14 provinces and cities.Then,after calculating the loss rate of forest fires in China from 2010 to 2014,the exponential smoothing method is used to forecast the forest fire loss rate of each province,and then the forest fire insurance rate of each province is estimated.The results show that the highest rate of forest fire insurance is 5.58 ‰,the lowest is 2.21 ‰,of which the highest risk zone rate is 5.58 ‰-4.46‰,the higher risk zone rate is 4.46‰-3.17‰,the general risk zone rate Is 3.17‰-2.21‰,low risk zone rate is 2.21 ‰-2.16‰.Finally,based on the forest fire risk level and the provincial forest fire insurance rate,this paper gives the reasonable development countermeasure of forest fire insurance from four aspects:policy guidance,financial subsidy,perfect risk system and professional personnel training.