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从政府和林农的视角,对林业生态补偿机制和森林保险有效需求不足进行了经济学分析,解释了林业生态补偿和保险补贴对森林保险的积极作用。在此基础上,提出了可能影响森林保险有效需求的7个经济假设,然后通过对江西10个县236个有效样本农户的实地调研数据,对这些经济假设进行实证检验。结果发现影响林农参与森林保险的有效需求因素主要有:林业收入占总收入比重、有无商品林和经济林、造林抚育补贴以及抵押贷款与森林保险是否联动等因素。最后提出了在构建林业生态补偿机制框架下,大力宣传森林保险政策、打造林农融资公共信息互助平台、支持林农专业合作社发展林区林业经济等增加森林保险有效需求的政策建议。
From the perspective of the government and forestry farmers, this paper analyzes the ecological compensation mechanism of forestry and the insufficiency of effective demand of forest insurance and analyzes the positive effects of forestry ecological compensation and insurance subsidies on forest insurance. On this basis, seven economic hypotheses that may affect the effective demand of forest insurance are put forward, and then empirical research is conducted on these economic hypotheses by field survey data of 236 valid sample farmers in 10 counties in Jiangxi Province. The results showed that the main factors affecting the effective participation of forest farmers in forest insurance are: the proportion of forestry income in total income, the availability of commercial forests and economic forests, afforestation subsidies and the linkage between mortgage loans and forest insurance. In the end, under the frame of constructing forestry eco-compensation mechanism, the paper advocates forest insurance policy vigorously, builds a public information platform for forestry financing, and supports forestry farmer cooperatives to develop forestry economy and other policies to increase effective demand of forest insurance.