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从经济学角度分析了我国森林保险发展缓慢的原因与森林保险发展过程中信息不对称问题,逆向选择和道德风险现象突出使得保险公司保险产品供给不足,林农投保需求减少,投保积极性不高,导致森林保险发展缓慢。通过对森林保险中的主体行为博弈分析,指出建立以政府为主导的政策性森林保险,更适合当前林业发展的需要,并给出相应的对策。
From the perspective of economics, this paper analyzes the reasons for the slow development of forest insurance in our country and the information asymmetry in the development of forest insurance. The adverse selection and moral hazard make the insufficiency of insurance products, the demand for forest farmers to reduce insurance coverage and the enthusiasm to insure, The development of forest insurance is slow. Through the game analysis of the main body of the forest insurance, it is pointed out that the establishment of a policy-oriented forest insurance led by the government is more suitable for the needs of the current forestry development and gives the corresponding countermeasures.