Research On The Development Of China's Forest Insurance Based On Risk Zoning

Forest insurance is an effective guarantee mechanism for alleviating the loss of forestry natural disasters,protecting forest resources,stabilizing forestry production,and promoting farmers' income.In recent years,forest insurance has been steadily advanced,the area of insurance coverage has gradually expanded,the market entities have gradually increased,premium income has increased significantly,subsidies have been continuously strengthened,and the amount of claims has continued to rise,providing a reliable guarantee for forestry production and forest life.However,in the development of forest insurance,there are still a series of problems such as single type of insurance,difficulty in detecting nuclear damage,low level of protection,low financial subsidies for commercial forest insurance,significant regional differences in financial subsidies,and no scientific risk zoning.In addition,there are many risks in the process of forestry growth.Due to the uneven distribution of forest resources in China,climatic conditions,soil conditions,etc.,there are great differences in risk risks between different regions.Without risk zoning,insurance company rates will be determined unreasonable,insurance companies have insufficient incentives to carry out forest insurance,and will also bring a large economic burden to forestry producers,which will certainly limit the development of forest insurance.Therefore,in order to give play to the basic supporting role of policy forest insurance in stabilizing forestry production and protecting forest resources,this paper comprehensively introduces and analyzes the development status and existing problems of forest insurance in China,combining insurance economics theory and measurement analysis method.Taking forest fire insurance as an example,risk zoning and rate determination were carried out.Finally,targeted countermeasures were proposed based on the problems in forest insurance.This article is divided into six chapters: The first chapter is the introduction.The research background,research purpose and significance of this paper are introduced.This chapter classifies the research status at home and abroad,and introduces the research methods,structure,innovations and deficiencies of this paper.The second chapter expounds the concept,characteristics and forest insurance related adverse selection and moral hazard theory,external economic analysis,welfare economics theory,expected utility theory and risk zoning theory.The third chapter starts from the disaster situation of forests in China and the development status of forest insurance,and systematically reveals the existence of forest insurance in China.The fourth chapter is the risk zoning of forest insurance in China-taking forest fire insurance as an example.Based on the theory of risk zoning,this chapter considers the related factors of nature and humanities,and uses forest fire insurance as an example to construct and quantify the risk zoning index system of forest disasters.The principal component analysis method is used to measure forest fire risk in 30 provinces and cities nationwide.The level is measured and divided into five areas: low risk,lower risk,medium risk,higher risk and high risk.The fifrth chapter is the rate determination of forest insurance in China-taking forest fire insurance as an example.According to the results of risk area division,BP neural network algorithm is used to predict the forest fire damage rate of each province,and the corresponding forest fire insurance rate is calculated.The sixth chapter puts forward policies and suggestions for the actual problems of forest insurance in the development process: risk zoning of forest insurance,dynamic adjustment of forest insurance rates,innovative forest insurance product,improve forest insurance operation and management system,improve financial subsidies for commercial forest insurance and adopt regionalized finance subsidy policy.