A Study On The Development Of Policy Based Forest Insurance In Anhui

In order to further promote the development of forest insurance business and meet the needs of forestry for risk protection,China has carried out the pilot work of policy based forest insurance in recent years.In 2009,forest insurance was incorporated into the scope of the state policy insurance subsidy.In 2012,Anhui province started the pilot work of policy based forest insurance.In 2013,the pilot was carried out first in the five cities in the south.In 2017,the forest insurance was fully promoted in all the cities in Anhui.In recent years,policy forest insurance in Anhui has developed rapidly.However,in the process of policy based forest insurance in Anhui,there are still many problems,such as weak government support,insufficient operating motivation of insurance companies and poor enthusiasm for insurance of forest farmers.Therefore,it is of great guiding significance to further explore the development mechanism and measures of policy forest insurance in Anhui.In this paper,the research trends of forest insurance at home and abroad are summarized,and then the development of Anhui forest insurance is analyzed,then the necessity and feasibility of the development of policy forest insurance are discussed.Finally,on the basis of the valuable experience of the development of forest insurance at home and abroad,the conclusion is made.In accordance with the problems existing in Anhui forest insurance,the policy based forest insurance system of Anhui is constructed,such as management model,management subject,premium subsidy and prevention of catastrophe risk.The corresponding safeguard measures are put forward from the angles of government,insurance companies,forest farmers and market environment,in order to promote policy based forest insurance in Anhui.The development provides a certain reference.First,the necessity of developing policy based forest insurance in Anhui province is mainly as follows: the demand for risk guarantee from large forestry provinces;the important reliance of building a beautiful Anhui;the premise of improving the ecological environment in Anhui province;the collective forest right system is thepush of the system reform.Second,the feasibility of developing policy based forest insurance in Anhui mainly includes: having sufficient theoretical basis,the positive externality of forestry,the quasi public goods of forest insurance,and the practical feasibility of the policy based forest insurance,and the strengthening of the financial support for the forest insurance in Anhui;The reform of the collective forest rights system has laid the foundation for its development;the insurance companies have obtained the conditions for the development of the forest insurance;Lin Nong's acceptance of forest insurance is getting higher and higher.Third,the domestic and foreign experience that can be used for reference,mainly: government organizations must be promoted,this is the basis for the development of policy based forest insurance;the development of policy based forest insurance must first set up the relevant system;the mechanism must be innovative;publicity and education must be in place and deep into the farmers;It is the most important thing to do a good job of fire prevention and disaster prevention.Fourth,the establishment and improvement of Anhui policy forest insurance system,mainly: under the leadership of the government,the implementation of the market-oriented operation,the insurance involved in the insurance need to be classified,taking into account the interests of the insurance companies and the two sides of the forest farmers,two low one insurance,a moderate guarantee,according to the present situation to do a good job,do a good job of policy based forest insurance push.Enter the work,the guarantee period is orderly.