CAJ | 학술논문

森林保险作为集体林权制度改革的一项重要配套改革内容,已经成为集体林改能否顺利推进、林业发展能否持续的关键。森林保险准公共物品属性导致的＂市场失灵＂和林业生产经营者对于森林保险这一公共服务的需求差异性导致的＂政府失灵＂,决定了单一地由商业机构或政府来提供森林保险都存在弊端。所以引入PPP模式,在适当的时机建立相对独立的＂森林保险计划＂,探索构建全国森林巨灾/大灾风险准备金支持下的、政府制定规则并进行监管和协助、利用商业保险公司的服务网络以及风险管理技术经办、按省进行保费统筹的公私合营森林保险模式,有利于解决森林保险的健康可持续发展问题。
삼림보험작위집체림권제도개혁적일항중요배투개혁내용,이경성위집체림개능부순리추진、임업발전능부지속적관건。삼림보험준공공물품속성도치적＂시장실령＂화임업생산경영자대우삼림보험저일공공복무적수구차이성도치적＂정부실령＂,결정료단일지유상업궤구혹정부래제공삼림보험도존재폐단。소이인입PPP모식,재괄당적시궤건립상대독립적＂삼림보험계화＂,탐색구건전국삼림거재/대재풍험준비금지지하적、정부제정규칙병진행감관화협조、이용상업보험공사적복무망락이급풍험관리기술경판、안성진행보비통주적공사합영삼림보험모식,유리우해결삼림보험적건강가지속발전문제。
As an important content of coordinate reform in system reform of collective forest right,forest insurance has become the key of system reform of collective forest right and forest development.Forest insurance being the nature of quasi-public goods leading to the Market Failure,forestry traders’de-mands differences to forest insurance leading to Government Failure,which both show that there must be disadvantage no matter who provide the forest insurance single,the commercial institution or the government..So the author introduces PPP mode and plans to build Forest Insurance Plan relatively in-dependent in a proper time,exploring the problems of all aspects for promoting the sound sustainable development of forest insurance.