【摘要】 一方面国家财政救灾支出逐年增加;另一方面作为减轻政府救灾压力的有效措施之一的森林保险在我国依然存在着供需不足的双重矛盾。文章通过建立森林保险需求的理论模型,揭示林农森林保险的最优选择;分析保险价格水平、风险厌恶类型、政府补偿的强度和频率的变化对林农保险支出的影响;指出灾后政府救助会降低林农灾前购买保险的需求,并据此提出相应的政策建议。更多还原

【Abstract】 On the one hand, the state financial relief expenditures has increased year by year; the other hand, the supply and demand of forest insurance as one of the effective measures to reduce the government’s pressures are still under a double contradiction in our country. By means of a theoretical model of insurance demand, the optimal forest owner’s expenditures of insurance are predicted. The comparative effects of the level of insurance price, attitudes toward risk, stand value, and the magnitude and frequency the public compensation on insurance expenditures are also discussed. It is put forward that the public financial assistance after a natural catastrophe may reduce requires of private forest owners to invest in insurance and the corresponding policy recommendations are suggested.更多还原