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基于森林保险自身固有特性,分析了信息不对称所引致的道德风险与逆向选择的存在和表现形式,及其为政策性森林保险所带来的额外成本。从减少和抑制的角度出发,对投保主体和森林进行综合风险分类,引入了监督、奖惩、风险管控机制,构建了一套符合森林保险市场发展需要的防范措施体系,以期在实践中更好地促进我国森林保险的发展。
Based on the inherent characteristics of forest insurance, this paper analyzes the existence and manifestation of moral hazard and adverse selection caused by information asymmetry and the extra costs it brings for policy forest insurance. From the perspective of reduction and suppression, the comprehensive risk classification of the insured entities and forests was introduced, and the supervision, rewards and punishments, risk management and control mechanisms were introduced and a set of precautionary measures system in line with the needs of the development of the forest insurance market was established. In the hope of better practicing Promote the Development of Forest Insurance in China.