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The Research on Operation Mode of Policy-related Forest Insurance in China

机译：我国政策性森林保险经营模式研究

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摘要

In order to make the development of forest insurance sustainable in China, through the three methods including field survey, literature analysis and descriptive statistics, four operation modes were compared in the practical course of forest insurance in China. As a result, 43% in these surveyed farmers approved of the assistant-insurance mode that commercial insurance company is the single insurer by the business assistance of forestry sector, but governments' administration intervention in rating at forest insurance products has been one of the key issues which determine low efficiency of the assistant-insurance mode. On the basis of above studies, the operation framework of policy-related forest insurance was constructed by the comparison of advantages among government, forestry sector and commercial insurance company. This paper concludes that the assistant-insurance mode consists with China's developing need of forest insurance; however, the government's advantage of institutional supply must be exerted to effectively guard against government failure and market failure; meanwhile, the cooperation of commercial insurance company and forestry sector should also been strengthened to make the both advantages complement.
机译：为了使我国森林保险的可持续发展，通过实地调查，文献分析和描述性统计三种方法，比较了我国森林保险实践中的四种运作模式。结果，在这些接受调查的农民中，有43％的人认可了辅助保险模式，即商业保险公司是林业部门提供商业援助的唯一保险人，但是政府对森林保险产品评级的管理干预一直是关键之一。决定辅助保险模式效率低下的问题。在上述研究的基础上，通过比较政府，林业部门和商业保险公司的优势，构建了政策性森林保险的运作框架。得出结论，辅助保险模式与中国不断发展的森林保险需求相吻合。但是，必须发挥政府机构供应的优势，以有效地防范政府失灵和市场失灵。同时，还应加强商业保险公司与林业部门的合作，使两者的优势互补。

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