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通过阐述区域森林保险发展的机理,建立模型对湖南省森林保险保费收入与参保比例、林农收入、上年度森林保险赔付率及GDP之间的关系进行分析,并据此提出应明确区域森林保险险种供给的主导方向,提高森林保险的保障水平,进行森林灾害风险区划,增加财政补贴森林保险保费的标准,依据不同的险种提供不同的补贴额等区域森林保险发展的对策建议。
By elaborating the mechanism of regional forest insurance development and establishing a model to analyze the relationship between the premium income and the proportion of forest insurance in Hunan Province, the income of forest farmers, the ratio of forest insurance claims and the GDP of the previous year, the paper proposes that the regional forest insurance The leading direction of the supply of insurance, the improvement of the level of protection of forest insurance, the demarcation of forest disaster risk, the increase of the standard of financial subsidy for forest insurance premiums and the provision of different subsidies and other regional forest insurance development proposals according to different types of insurance.