A Study On Willingness To Pay For Forest Insurance In The Area Of Mudanjiang

China is rich in forest resources,ranking fifth in the world.However,due to the long cycle of forestry production and management,forest trees are vulnerable to the invasion or destruction of forest disasters,which often brings huge economic losses to forest households and seriously affects the development of forestry.Forest insurance is an important mechanism to improve the resilience of forestry risk,and also an important measure to deal with the risk of forestry production in the developed countries of the world.It has the functions of stabilizing forestry production and promoting forestry reform.However,the development of forest insurance in Heilongjiang Province is relatively backward.Until 2014,Heilongjiang Province started the pilot work of forest insurance,and the research on forest insurance in Heilongjiang Province is relatively small.This paper takes forest households in Mudanjiang area of Heilongjiang Province as the survey object,and obtains first-hand survey data through questionnaire survey.First of all,this paper analyzes the relevant theories of forest insurance,and analyzes the development situation and existing problems of forest insurance in Mudanjiang area,as well as the necessity of the development of forest insurance.Then,CVM method is used to obtain the survey data,and descriptive statistical analysis is carried out to preliminarily screen the factors that may affect the willingness of forest households to pay.Secondly,the Cox proportional risk model is constructed to quantitatively analyze the influencing factors of forest insurance payment willingness.Finally,we put forward relevant policy advices to promote the development of forest insurance from the views of government and insurance enterprises.The analysis results show that the development of forest insurance in Mudanjiang area is not mature.Most of the forest households interviewed said that they did not know much about forest insurance,or even had never heard of forest insurance.The demand of forest households for forest insurance is relatively high,with the insurance rate reaching 76.43%,but the willingness to pay is concentrated in a lower range.The government subsidies have a significant impact on the willingness to pay of forest households The premium subsidies provided by the state and local governments for forest insurance will have a significant positive incentive effect on the insurance willingness of forest households;forest households have a high acceptance of forest insurance in the form of Internet,and the forest insurance in the form of Internet is the future development direction.Therefore,it is suggested that the government should raise the subsidy level of forest insurance,increase the propaganda of forest insurance,and improve the cognition of forest insurance,It is suggested that insurance companies should develop appropriate policy forest insurance products,improve the service level of insurance companies,and make claims in time.