森林保险需求影响因素研究进展

    Research progress on factors impacting the demand for forest insurance

    • 摘要: 2009 年,我国开始启动森林保险保费补贴试点工作,极大地提高了农户参保率。但由于现有保险产品和补贴政策不能完全满足农户需求,农户投保意愿并不强烈,因此,研究影响农户森林保险需求的因素有助于优化与完善森林保险政策。理论上影响农户森林保险需求的因素可分为主观性、经营性和客观性因素。从以上3 个角度对国内外代表性的研究成果进行了系统梳理,在总结评价已有文献的基础上,提出有关森林保险需求方面的未来研究重点。

       

      Abstract: In 2009, China launched the pilot project of premium subsidies for forest insurance,which greatly increased the forest insurance participation rate of the foresters. However, as the existing insurance products and subsidy policies cannot fully meet the foresters爷demand, the willingness to pay for forest insurance is not strong. Therefore, studying the factors that affect farmers爷demand for forest insurance will help to optimize and improve forest insurance policies. Theoretically, factors impacting the demand for forest insurance can be divided into three types, namely subjective, operational and objective. From the above three types, this paper reviews the main literatures both at home and abroad, and further to put forward the key issues in the future research on the demand of forest insurance.