| 森林保险成本和价格与供求失衡分析 |
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| 引用本文： | 周式飞,黄和亮,雷娜. 森林保险成本和价格与供求失衡分析[J]. 林业经济问题, 2010, 30(2) |
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| 作者姓名： | 周式飞 黄和亮 雷娜 |
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| 作者单位： | 1. 中国太平保险集团公司,财务部,中国,香港;福建农林大学,经济与管理学院,福州,350002
2. 福建农林大学,经济与管理学院,福州,350002 |
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| 摘 要： | 构成森林保险产品的成本有物业和设备成本、产品设计成本、宣传展业成本、查勘理赔成本、契约成本、赔付成本;在森林保险的构成成本中,以赔付成本为主的可变成本占总成本的67%以上,保险公司难以通过扩大经营规模有效分摊成本,森林保险价格具有刚性,较高的刚性价格抑制了森林保险的需求,造成森林保险供求失衡。
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| 关 键 词： | 森林保险 保险成本 成本构成 价格 供求 |
Forest Insurance Costs and Prices and Analysis on Imbalance between Supply and Demand |
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| ZHOU Shi-fei,HUANG He-liang,LEI Na. Forest Insurance Costs and Prices and Analysis on Imbalance between Supply and Demand[J]. Problems of Forestry Economics, 2010, 30(2) |
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| Authors: | ZHOU Shi-fei HUANG He-liang LEI Na |
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| Affiliation: | 1.China Pacific Insurance Company Financial Department/a>;Hong Kong/a>;China/a>;2.Economics and Management College of Fujian Agriculture and Forestry University/a>;Fuzhou 350002 China |
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| Abstract: | The forest insurance products costs are consisted by property and equipment cost,product design costs,publicity and exhibition costs,survey and claims costs,contract costs and compensation costs;In the composition costs of forest insurance,variable costs which mainly to compensation costs occupies more than 67% of the total costs.The insurance companies have difficulties to share the costs effectively by means of expanding the scale of operation.Consequently,forest insurance prices have rigidity,the high ri... |
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| Keywords: | forest insurance insurance costs cost component the price supply and demand |
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