摘要
中央财政森林保险保费补贴开展试点以来,我国森林保险覆盖范围不断扩大,但由于现行保费补贴政策仍存在一定缺陷,导致森林保险产品难以满足实际需求,农户的参保积极性不高;森林保险经营成本与收益不匹配,造成保险机构供给意愿不强;森林保险参与主体的权责划分不清,导致基层政府部门工作动力不足。应通过科学设计森林保险产品、创新森林保险运营模式和参保引导机制及实行差异化补贴标准等措施,来增强森林保险保费补贴政策的执行效果。
The forest insurance participation rate has been greatly improved since the launch of the central fiscal forest insurance premium subsidies pilot project. But the forest insurance is still facing a huge dilemma, in that current products can notcannot fully meet the demand of farmers, insurance companies＇ underwriting will is not strong in the face of high operating costs, and grass - roots governments are poorly motivated to push the work forward. This paper puts forward specific countermeasures to strengthen the effect of the subsidy policy of forest insurance, including innovating the product design, optimizing the operating mode and insurance guiding mechanism, carrying, carrying out the differentiated policy of premium subsidies.
出处
《经济纵横》
CSSCI
北大核心
2017年第1期105-110,共6页
Economic Review Journal
基金
中央高校基本科研业务费专项资金项目"森林保险运行机制与保费补贴政策优化研究"(编号:2015ZCQ-JG-01)
国家自然科学基金青年项目"基于风险区划的中国森林火灾险费率厘定研究"(编号:71403022)
教育部人文社会科学基金项目"我国森林保险政策实施效果评价与优化对策研究"(编号:14YJC790022)
教育部人文社会科学基金项目"基于费率厘定和保障水平差异化的森林保险补贴政策优化研究"(编号:15YJC790022)的成果
关键词
森林保险
保费补贴
补贴标准
发展困境
Forest Insurance
Premium Subsidies
Subsidy Standard
Development Dilemma
