1.美国的森林保险制度美国森林保险主要采取的是补贴私人保险机构的模式,鼓励和支持私人保险机构开展森林保险业务,政府向承办林业保险的私人保险公司提供30%的业务费补贴。在采取补贴私人保险机构模式之前,美国森林保险长期处于缓慢发展阶段,主要原因在于保险公司和林农之间的利益矛盾,一方面保险公司没有盈利空间,另一 1. US forest insurance system The US forest insurance mainly adopts the mode of subsidizing private insurance agencies, encourages and supports private insurance agencies to carry out forest insurance business, and the government provides a 30% subsidy for operating expenses to private insurance companies undertaking forestry insurance. Prior to adopting the mode of subsidizing private insurance companies, the long-term slow growth of U.S. forest insurance was mainly due to the conflicting interests between insurance companies and forest farmers. On the one hand, insurers had no profit margin and the other