CAJ | 학술논문

论述了森林保险作为重要的林业风险保障机制，在减少林业投融资风险，实现林业、银行业与保险业互惠共赢方面具有的重要意义。从林农与保险公司的不同角度，考查了当前我国森林保险开展情况及面临的两难境地，提出了开展政策性森林保险的建议。即将其纳入国家政策性保险保费补贴范围，建立风险补偿机制，实行税收优惠，确定承办的保险公司，因地制宜地确定承保责任范围和保险费率。
논술료삼림보험작위중요적임업풍험보장궤제，재감소임업투융자풍험，실현임업、은행업여보험업호혜공영방면구유적중요의의。종임농여보험공사적불동각도，고사료당전아국삼림보험개전정황급면림적량난경지，제출료개전정책성삼림보험적건의。즉장기납입국가정책성보험보비보첩범위，건립풍험보상궤제，실행세수우혜，학정승판적보험공사，인지제의지학정승보책임범위화보험비솔。
This paper analyzes the important role of forestry insurance, as necessary risk management mechanism, of reducing the investment risk of forest industry and of realizing the win-win situation among the forest, banking and insurance industries. From the perspectives of forestry farmers and insurance companies, the paper investigates the current situation of forestry insurance in China and its dilemma. Consequently, propose five suggestions for carrying out policy forestry insurance, which are subsidizing it by policy insurance subsidies, establishing risk hedging mechanism, providing tax preference for it, designating responsible insurance companies, and set the insurance scale and rate according to specific local conditions.