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文中指出林农收入水平低以及财政扶持力度不够是造成森林保险发展严重滞后的重要因素。提出应有重点有选择地使用财政补贴,以不同种类森林的经济效益为依据,制定不同的保费补贴比例,重点向经济效益差的森林倾斜。建议面向经济效益好的森林试设综合灾害险并提供投保加成,时机成熟时再进行大范围推广,以逐步建立完善的森林保险体系。
The article points out that the low income of forest farmers and the insufficient financial support are the important factors causing the development of forest insurance seriously lagging behind. The paper proposes that the financial subsidies should be given priority and selective use. Based on the economic benefits of different types of forests, different premium subsidy ratios should be formulated with a focus on the poorly-performing forests. It is suggested that comprehensive disaster insurance should be tried and set for the forest with good economic benefits and insurance plus bonus should be provided. When the time is ripe, a large-scale promotion should be carried out to gradually establish a sound forest insurance system.