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生态公益林建设的自身特征及其自然灾害保险的市场失灵,决定了纯商业性保险公司很难维持其持续经营,因而需要政策性保险的支持。借鉴国际经验,并结合我国的相关实践,文章从立法支持、政策定位、介入方式和产品开发四个方面,探讨了生态公益林自然灾害保险的制度设计。
The construction of ecological public welfare forest and its own natural disaster insurance market failure, it is difficult for purely commercial insurance companies to maintain their continued operation, which requires the support of policy insurance. By referring to international experience and combining with relevant practice in our country, the article discusses the system design of natural disaster insurance of ecological public welfare forests from the aspects of legislative support, policy orientation, methods of intervention and product development.