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论述了森林保险作为重要的林业风险保障机制,在减少林业投融资风险,实现林业、银行业与保险业互惠共赢方面具有的重要意义。从林农与保险公司的不同角度,考查了当前我国森林保险开展情况及面临的两难境地,提出了开展政策性森林保险的建议。即将其纳入国家政策性保险保费补贴范围,建立风险补偿机制,实行税收优惠,确定承办的保险公司,因地制宜地确定承保责任范围和保险费率。
Discusses the forest insurance as an important safeguard mechanism for forestry risk, in reducing the risk of forestry investment and financing, forestry, banking and insurance industry to achieve mutual benefit and win-win has the important significance. From the different perspectives of forest farmers and insurance companies, this paper examines the current situation of China’s forest insurance and the dilemma it faces, and puts forward the suggestion of developing policy-oriented forest insurance. It will be included in the scope of national policy premium insurance subsidies, the establishment of risk compensation mechanism, the implementation of tax incentives to determine the contractors of insurance companies, to determine the scope of coverage underwriting insurance and premium rates.