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江西省泰和县是林业重点县,也是开展森林保险比较早的地区,森林保险实践工作日趋完善。文章通过对江西省泰和县等林业重点县森林保险现阶段实践情况的总结与分析,从林农、已参保造林大户、保险公司和林业部门等4个层面研究,发现存在理赔程序太复杂;理赔时间太长,影响再造林及林业生产活动的开展;免赔起点高,林农认为利益受损;确定返青率的方法不科学;保险公司损失核查方面存在技术问题,县级保险公司理赔权限很小等问题。提出了改进的对策和建议。
Taihe County, Jiangxi Province, is a key county of forestry, and it is also an area where insurance for forests is relatively early. The practice of forest insurance is getting more and more perfect. This article summarizes and analyzes the present situation of forest insurance in major forestry counties in Taihe County, Jiangxi Province. Based on four levels of research on forest farmers, major insured affiliates, insurance companies and forestry departments, it is found that there is a complex procedure for claims settlement. Time is too long, affecting the reforestation and forestry production activities carried out; delaying a high starting point, forest farmers that interest is impaired; to determine the rate of green method is unscientific; insurers have technical problems in the verification of losses, county insurance company claims a small power And other issues. Proposed the improvement countermeasure and the suggestion.