【作者】 蒋丽斌；

【导师】 曾思齐；

【作者基本信息】 中南林业科技大学 ， 森林经理学， 2010， 硕士

【摘要】 湖南省位于中亚热带常绿阔叶林区,森林资源丰富,是我国林业发展最快、活力最旺的地区之一,但也是一个森林灾害多发省份,2008年初湖南省经历了罕见低温雨雪冰冻灾害,林业单位和林农损失巨大。森林保险是规避森林经营非系统性风险的重要策略和市场机制,然而在森林保险实践过程中,森林保险无法按照纯粹的商业保险模式运行,森林保险陷入了“有效需求不足、供给短缺”的严重市场失灵境地,森林保险业务急剧萎缩。为了深化集体林权制度改革,更好地为广大林户提供保险保障,构建合理的政策性森林保险体系势在必行,湖南省就是我国政策性森林保险试点省份之一。本文在概述了湖南省森林资源现状和林业生产面临的主要风险的分析基础上,总结了当前湖南省推进政策性森林保险的必要性。运用理论与调查、比较与归纳相结合的分析方法,全面分析了森林保险发展现状分析,诊断出了森林保险存在的主要问题。针对湖南省森林保险存在的问题和不足进行了全面、系统的分析,诊断出湖南省森林保险发展中政府、保险公司和林农三方存在的一些问题,包括经营森林保险缺乏政策支持、森林保险市场的主体缺位等问题；提出了湖南省推行政策性森林保险的必要性；针对湖南省森林保险存在的问题,并进行了湖南省政策性森林保险机制研究,探讨了湖南省政策性森林保险机制框架设计,包括湖南省政策性森林保险的原则、险种、保险对象、保险标的、保险金额、保险费率、保险赔偿标准、财政补贴标准、组织机构的设置与运作等方面进行了设计,为制定湖南省政策性森林保险机制提供理论依据和政策建议,对推进湖南省政策性森林保险的发展以及构建合理的政策性森林保险体系具有重要意义。更多还原

【Abstract】 Hunan Province is located in the subtropical evergreen broad-leaved forest, rich in forest resources, forestry in China the fastest growing, one of the most popular activity, but also a forest disaster-prone provinces of Hunan Province in early 2008,experienced a rare snow and ice disasters, loss of large forest units and foresters. Avoid forest management of forest insurance is an important strategy of non-systemic risk and market mechanisms,however, the insurance practice in the forest, the forest insurance, commercial insurance can not be in accordance with the pure mode, forest insurance into a "lack of effective demand, supply shortages," the serious market failure situation, rapidly shrinking forest insurance.To deepen the reform of collective forest right system to better account for the majority of forest to provide insurance coverage to construct a reasonable policy of forest insurance system is imperative, in Hunan Province is China’s policy of forest insurance one pilot provinces.This paper outlines the status of forest resources in Hunan Province and the main risks facing the forestry production based on the analysis, summarizes the current policy of the forest in Hunan Province to promote the need for insurance. Analysis by theoretical analysis and combined analysis of comparative analysis and the method of combining inductive, systematic analysis of the forest Insurance Development, diagnosed the main problems of forestry insurance. Hunan Forest Insurance for the problems and deficiencies of a comprehensive, systematic analysis, diagnosis of the development of Hunan Province, the government forest insurance, insurance companies and foresters three some problems, including lack of policy support for forest insurance operations, forest insurance market absence of the main issues; made forest in Hunan Province to implement the insurance policy need; for the insurance problems of Forest and forest policy for the insurance mechanism in Hunan Province, discussed the mechanism of Hunan policy framework for forest insurance design, including Hunan Province,forest principles of insurance policy, insurance, insured, insurance targets, insurance rates, premium rates, insurance and compensation standards, standards of financial subsidies, the organizational setup and operation of the other aspects of the design for the development of Hunan provincial forest policy of insurance mechanisms provide a theoretical basis and policy recommendations for promoting the policy of the forest in Hunan Province and the development of the insurance policy to construct a reasonable system of forest security is important.更多还原