The Study On Differentiation Of The Subsidy Policy For Forest Insurancepremium In China

In 2009,China began to implement the policy of forest insurance premium subsidies,and the participation rate of commercial forests has increased significantly.However,in recent years,the growth rate of insured areas has been low or even negative,it shows that there are some problems with the subsidy policies and it need to set a reasonable and reasonable proportion of subsidies.Based on the influencing factors of the subsidy ratio,this paper studies the difference in subsidy ratio from the different of sum insured and regional differences.Firstly,based on analyzing the influence factor of willingness to pay,it is verified that the impact of the sum insured on the willingness to pay is extremely significant.Through the study of the relationship between the willingness to pay and the subsidy ratio,this paper analyze the impact of the sum insured on the subsidy ratio.Then,it measures the subsidy proportions under the three groups of sum insured and the results show that farms who choose the higher amount insured can accept the lower subsidies proportion.The premium subsidies include the central subsidies and the local subsidies,there are significant differences in the economic level,the importance of forest and the occurrence of disasters in different regions.The central government adopts the same subsidy ratio now,it brings about the unbalanced development of forest insurance in various regions.This paper divides 24 provinces participating in the premium subsidy policy into five categories by the cluster analysis,and setting different central subsidy ratios for different categories of regions.