林业保险是防范林业灾害，确保林业产业健康稳定发展的一种有效方式。从上世纪初林业保险在北欧起源以来，一些国家已形成了各自完善的林业灾害保险体系，为林业产业的健康繁荣发展提供保障。
相比国外成熟系统的林业保险机制，我国的林业保险直到上世纪80年代才开始起步，且总体发展缓慢、水平较低，尤其是近年来自然灾害的频发暴露出了我国林业保险体制的不足，因此有必要对我国现行的林业保险制度进行研究，以促进林业产业的可持续发展。本文通过各类文献资料的查阅整理，对国内外林业保险的发展状况进行了归类总结。各国林业保险虽都是因地制宜大发展本国的林业保险模式，但也有不少相似经验；我国近30年的林业保险发展大致可分为3个阶段：繁荣起步期、停滞发展期和热潮再现期。在对比国内外发展状况与实地调研的基础上，本文从立法、政府职能、保险市场以及林农参与度四个方面分析了我国林业政策性保险现状的不足，并在结合国外成功经验和我国实际的基础上，亦从上述四个方面对我国林业政策性保险体制的建设提出建议。
关键字：林业保险 ，政府职能 ，政策性
The Deficiency and Proposition of Policy Forestry Insurance
Law06-2 Bai Yun
Supervisor Li Yuanhui
Abstract
Forestry insurance is an effective approach to prevent forestry disasters and ensure the healthy and stable development of forestry industry. Several countries had already formed their sufficient forestry accident insurance system for forestry industry since the origin of forestry insurance in the Nordic last century , as the safeguard of prosperous development of forestry industry . However, contrast to foreign mature mechanism of forestry insurance , the Chinese forestry insurance has been on until 1980s with features of slower development and lower level . Especially in recent years, frequent natural disasters exposed many deficiency of the forestry insurance system in China, thus necessary measures should be taken to assist the research of our current mechanism of forestry insurance , in order to promote the sustainable development of forestry in domestic development situation . This essay is to base on the data of literature at home and abroad and to summarize the development of forestry insurance . Although different countries had their own modes when developing forestry insurance , but there also have many similar experience in them . In nearly 30 years development of Chinese forestry insurance ,it can be mainly divided into three stages: the boom starting ,freezing expanding and prosperous restarting . In contrast with the domestic and foreign development status and on the basis of investigation, this paper is to analysis the drawbacks of Chinese forestry insurance from four aspects including the legislation, the government functions, the insurance market and imposition of participation, and to propose our forestry policy-related insurance system of construction, in combination with the reality of our country foreign successful experience, on the basis of above four aspects .
Key Words: Forestry Insurance , Government Functions ，Policy
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