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森林保险作为增强林业风险抵御能力的重要机制,不仅有利于林业生产经营者在灾后迅速恢复生产,促进林业稳定发展,而且可减少林业投融资的风险,有利于改善林业投融资环境,促进林业持续经营。然而,目前我国森林保险并不十分普及,推广也不太顺利,许多省市都还处于试点阶段。本文以湖南省为例,通过CVM评估方法来研究林农购买森林保险的支付意愿,得出适合我国林农的森林保险支付额度,提高林农参与森林保险的程度。同时估算出影响林农购买森林保险的主要因素,并根据测算结果提出发展森林保险的政策建议。
As an important mechanism to enhance forestry risk resilience, forest insurance not only helps forestry producers and sellers to resume production rapidly after the disaster and promote the stable development of forestry, but also reduce the risk of forestry investment and financing, improve the environment of forestry investment and financing and promote the sustainable development of forestry Business. However, at present, China’s forest insurance is not very popular and its promotion is not smooth. Many provinces and cities are still in the pilot phase. This paper takes Hunan Province as an example to study the willingness of forest farmers to pay for forest insurance through the CVM method and get the amount of forest insurance suitable for forest farmers in our country and improve the degree of forest farmers participating in forest insurance. At the same time, it estimates the main factors that affect forest farmers’ purchase of forest insurance, and puts forward the policy suggestion of developing forest insurance according to the calculation results.