沾益区森林火灾保险存在的问题和建议探讨  

Problems and Suggestions on Forest Fire Insurance in Zhanyi District

作　　者：郑增方 ZHENG Zeng-fang(Qujing Zhanyi District Bureau of Forestry and grassland,Qujing 655331,China)

机构地区：[1]曲靖市沾益区林业和草原局,云南曲靖655331

出　　处：《四川林勘设计》2024年第3期61-64,70,共5页Sichuan Forestry Exploration and Design

摘　　要：森林火灾保险是化解林业经营风险、维护群众切身利益、创新森林防火工作机制、确保森林资源安全的重大举措。从曲靖市沾益区实际出发,分析了沾益区森林火灾保险存在宣传不足、商品林保费“费少户多”收取难度大、火灾风险评估机制不健全、赔付金额较低、赔付时间滞后等问题,提出了扩大宣传范围、加大宣传力度;加大财政支持力度,提高风险保障水平;健全森林火灾风险评估机制;推进数字化改革、提高理赔服务效率等建议,以期为提高森林火灾保险参保率和保障水平提供一定的科学决策依据。It is pointed out that forest fire insurance is an important measure to dissolve the risk of forestry management,safeguard the vital interests of the masses,innovate the working mechanism of forest fire prevention and ensure the safety of forest resources.Based on the actual situation of Zhanyi District,Qujing City,the problems of forest fire insurance in Zhanyi District were analyzed in this paper,such as insufficient publicity,difficulty of collecting commercial forest insurance premium,imperfect fire risk assessment mechanism,low compensation amount and time lag of compensation.And the suggestions were proposed to strengthen publicity and expand the scope of publicity;increase financial support and improve the level of risk protection;improve the forest fire risk assessment mechanism;promote the digital reform,improve the efficiency of claims service and other suggestions.In order to provide scientific decision-making basis for improving the insurance rate and guarantee level of forest fire insurance.

关 键 词：森林火灾保险问题 管理 探讨 

分 类 号：F326.2[经济管理—产业经济]