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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。
On the one hand, the national financial disaster relief spending increases year by year; on the other hand, as one of the effective measures to relieve the pressure of government relief, the forest insurance in our country still has the contradiction between supply and demand deficiencies. By establishing a theoretical model of the demand for forest insurance, the article reveals the optimal choice of forest farmers; analyzes the impact of insurance price level, risk aversion type, the intensity and frequency of government compensation on forest insurance expenditures; points out that after the disaster the government aid will reduce the farmers’ Pre-disaster insurance needs of the purchase, and accordingly make the appropriate policy recommendations.