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森林保险是我国农业保险体系中的重要组成部分,具备降低受灾损失和为林业改革提供保险保障两方面的作用。由于存在市场失灵,为了更加广泛地对营林户提供保险保障,需要国家对经营森林保险业务的商业保险公司提供政策支持。通过对福建省森林保险工作的研究,总结了所观察到的市场失灵现实表现并提出了相应的政策对策。
Forest insurance is an important part of China’s agricultural insurance system, with the functions of reducing disaster losses and providing insurance coverage for forestry reform. Due to the existence of market failures, in order to provide insurance coverage more widely to camp-owners, it is necessary for the state to provide policy support to commercial insurance companies that operate forest insurance businesses. Through the study of forest insurance in Fujian Province, the observed market failure performance is summarized and the corresponding policy countermeasures are put forward.