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我国森林保险缺乏法律规范,目前还没有专门的森林保险的法律法规,对森林保险的性质也没有做出明确的规定,森林保险的组织机构、业务经营方式和会计核算制度等都按照《保险法》中对商业保险的规范来实施,森林保险始终被包容在商业性保险体制中,但由于林业保险的特殊性,其和商业保险有着很大不同。林业竞争力薄弱、林业保险技术不高、林业的弱质性及林业保险技术的薄弱不利于林业保险发展。
China’s lack of legal norms of forest insurance, there is no specific laws and regulations of forest insurance, the nature of forest insurance has not made a clear provision, the organization of forest insurance, business management and accounting systems are in accordance with “Insurance Law” In the implementation of commercial insurance norms, forest insurance has always been included in the commercial insurance system, but due to the particularity of forestry insurance, and commercial insurance are very different. Weak forestry competitiveness, forestry insurance technology is not high, the weakness of forestry and forestry insurance technology is not conducive to the development of insurance.