| 我国森林保险发展缓慢的深层次原因及对策分析 |
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| 引用本文： | 石焱,夏自谦,田芸.我国森林保险发展缓慢的深层次原因及对策分析[J].林业经济,2008(12). |
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| 作者姓名： | 石焱 夏自谦 田芸 |
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| 作者单位： | 北京林业大学经济管理学院;国家林业局管理干部学院; |
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| 摘 要： | 从经济学角度分析了我国森林保险发展缓慢的原因与森林保险发展过程中信息不对称问题,逆向选择和道德风险现象突出使得保险公司保险产品供给不足,林农投保需求减少,投保积极性不高,导致森林保险发展缓慢。通过对森林保险中的主体行为博弈分析,指出建立以政府为主导的政策性森林保险,更适合当前林业发展的需要,并给出相应的对策。
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| 关 键 词： | 森林保险 风险 博弈 对策 |
The Deep-rooted Reasons of Slow Development of Forest Insurance in China and the Analysis on the Countermeasures |
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| Shi Yan Xia Ziqian Tian Yun.The Deep-rooted Reasons of Slow Development of Forest Insurance in China and the Analysis on the Countermeasures[J].Forestry Economics,2008(12). |
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| Authors: | Shi Yan Xia Ziqian Tian Yun |
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| Institution: | Shi Yan Xia Ziqian Tian Yun (Economics , Management College of Beijing Forestry University,Beijing 100083) |
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| Abstract: | The paper makes an analysis from why forestry insurance in China is in slow development as well as the influences on forest insurance caused by uneven information. The prominent issues of adverse selection and moral hazard result in insufficient supply of insured products. The decrease of demands and low initiative of forest farmers lead to slack development of forest insurance. According to the game analysis on the behavior of subject in forest insurance, it is pointed that the establishment of government-... |
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| Keywords: | forest insurance risk game countermeasure |
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