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林业是风险集中的高风险产业,发达国家林业生产和实践表明林业的健康发展离不开保险业的有效参与。作为最早的试点区域,南方林区推行森林保险走走停停近30年的历程,由于诸多原因,尚处于发展初期,林户的基本状况千差万别,地区差异显著,森林保险的普及度不高,森林保险供求不平衡,与林户实际需求之间仍存在较大的差距,森林保险投保模式单一传统,需要进一步改革和完善,通过实地调研南方林区森林保险推行情况,了解林农投保意愿与需求以及现行制度、投保模式中存在的弊端,对于进一步完善我国林业现代化保障体系和可持续发展,推动集体林权制度改革具有重要意义。
Forestry is a risky industry with concentrated risk. The forestry production and practice in developed countries shows that the healthy development of forestry can not be separated from the effective participation of the insurance industry. As the earliest pilot area, the implementation of the forest insurance in the southern part of China took nearly 30 years to stop and go. Due to many reasons, it is still in the early stage of development. The basic conditions of forest households vary widely, with significant regional differences. The popularity of forest insurance is not high, There is still a big gap between the actual demand of forest insurance and the actual demand of forest households. The single model of forest insurance investment mode needs further reform and perfection. Through the field investigation of the implementation of forest insurance in the southern forest area, we can understand the willingness and demand of forest insurance As well as the drawbacks existing in the current system and the insurance model are of great significance for further improving China’s modern forestry security system and sustainable development and promoting the reform of the collective forest tenure system.