摘要
以浙江省推行的农业巨灾保险模式为基础,结合广东、黑龙江等地的巨灾保险实施经验,以创新林业巨灾保险模式和提升林业风险管理效率为目标,从林业巨灾风险管理的角度对林业巨灾保险模式进行综合分析。结果表明:浙江省的林业巨灾风险管理以政府财政为基础、以政府为主导,存在救灾财政负担较重、救灾模式单一、救灾效率不高等问题,无法满足林业风险管理的需求;通过结合当地特色林产品创新林业巨灾保险险种、引入商业保险机制,选用符合地方实际的巨灾保险模式通过市场化运作可有效提高风险管理的效率,减轻政府的财政负担,转变政府的风险管理职能;创新林业巨灾保险应重视事前预防、提升商业保险的参与度、适时推行指数保险。因此,浙江省林业巨灾保险宜采用财政保险体系和专业保险体系相结合的模式,对于台风、火灾等风险而言宜采用财政保险体系,对于地方特色性的林业而言宜采用专业保险体系。
⑴Background——Forest catastrophe insurance is an important means to carry out forest risk management and promote the healthy development of forestry.Research on forest catastrophe insurance,analysis and comparison of different catastrophe insurance models,can provide theoretical basis for innovating forest catastrophe insurance models and change government functions,and can also provide methods and effects for expanding and improving forest catastrophe risk management reference.⑵Methods——Through consulting,summarizing relevant data,analyzing and researching with professionals,starting from the risk requirements of forestry,the forestry catastrophe risk management method is summarized and analyzed,followed by the forestry catastrophe insurance in forestry risk management,and analyzed pilot experience to innovate the model of forestry catastrophe insurance.⑶Results——The government-based forestry catastrophe risk management model is single,with heavy financial burden and low efficiency,which cannot meet the needs of forestry risk management.On the one hand,the forest catastrophe insurance system should be innovated by improving the marketization and commercialization of forest catastrophe insurance,drawing on commercial insurance mechanisms includes the establishment of insurance prevention mechanisms,increasing the participation of commercial insurance,and promoting forest catastrophe index insurance.On the other hand,Through the cooperation of commercial insurance companies with local agricultural insurance office,forestry office and other departments to make a survey,on this basis for the development of forestry catastrophe index insurance for the characteristics of forestry,insurance company operate.In view of the reality of Zhejiang province,the mode of combining the financial insurance system with the professional insurance system should be adopted.In addition,the financial insurance system should be unified by the finance of Zhejiang province to purchase related catastrophe insurance,and oper
作者
吴军
WU Jun(School of Accounting and Finance,Zhejiang Business College,Hangzhou,Zhejiang 310053,China)
出处
《林业经济问题》
北大核心
2020年第4期399-405,共7页
Issues of Forestry Economics
基金
2018年浙江省民政政策理论研究基金项目(ZMJF201845)。
关键词
林业风险
巨灾保险
保险机制
创新
forestry risk
catastrophe insurance
insurance mechanism
innovation
