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林业是国民经济的重要基础产业,也是为社会提供生态产品的重要公益事业,但是林业生产面临巨大的自然灾害风险。森林保险是重要的林业风险保障机制,但由于其准公共产品的性质和信息不对称等原因,森林保险在我国的发展历经曲折,严重滞后于林业发展对风险保障的巨大需求。通过对森林保险的经济学分析和对国外森林保险制度的研究和借鉴,本文认为建立政策性森林保险机制对于我国森林保险事业的发展具有重要的意义,并提出了相应的政策建议。
Forestry is an important basic industry of the national economy and also an important public welfare undertaking for providing ecological products to society. However, forestry production is facing a huge risk of natural disasters. However, due to the nature of its quasi-public goods and the asymmetric information, the development of forest insurance in our country has gone through a series of twists and turns, which seriously lags behind the tremendous demand for risk protection in the development of forestry. Through the economic analysis of forest insurance and the research and reference of foreign forest insurance system, this paper holds that setting up policy-oriented forest insurance mechanism is of great significance to the development of forest insurance in our country and puts forward corresponding policy suggestions.