时间偏好下碳汇发展的“政银保”激励机制博弈分析  

Game Analysis of Incentive Mechanism of“Government,Bank and Insurance”for Carbon Sinks Development under the Time Preference

作　　者：张凯旋 王小天 ZHANG Kaixuan;WANG Xiaotian(Department of Economics,Party School of Shandong Provincial Committee of C.P.C,Jinan 250014,China;School of Economics,Ocean University of China,Qingdao 266100,China)

机构地区：[1]中共山东省委党校经济学教研部,济南250014 [2]中国海洋大学经济学院,青岛266100

出　　处：《林业经济问题》2024年第6期591-606,共16页Issues of Forestry Economics

基　　金：中共山东省委党校2024年青年人才专项课题(24YT009)。

摘　　要：基于营林企业时间偏好,设计政府多重补贴下的“林业碳汇质押信贷+林业碳汇价格指数保险”联动激励机制。研究表明:企业时间偏好对激励机制有效性具有抑制作用;政府财政支出越大,越有利于扩大碳汇供给;只有银行质押率高于一定阈值时,方能推动碳汇开发;逾期违约金与守约奖励的升高,分别对质押信贷起到推动与阻碍作用;合理设置保险费率与赔偿比例能提升金融机构对碳汇市场的参与度。为进一步激励碳汇生产,提出改善企业生产条件与完善交易制度、优化政府资源配置与提高扶持效率、引导银行多元化绿色创新、保险产品动态定价与简化理赔等建议。⑴Background——The development and management of forestry carbon sinks projects is an important practice to implement China's ecological civilization construction.However,forestry carbon sinks projects have some problems,such as high development cost,frequent risks and insufficient financial support.How to stimulate the enthusiasm of forestry enterprises to implement forestry carbon sinks projects to ensure the sustainability and stability of forestry carbon sinks production and management is a key issue to be solved urgently.⑵Methods——This paper introduced the time preference of forest enterprises,designed the linkage incentive mechanism of“forestry carbon sinks pledged credit+forestry carbon sinks price index insurance”under multiple government subsidies,and used the evolutionary game theory to explore the effectiveness of the incentive mechanism.⑶Results——First,when the government subsidies to the insurance companies are lower than the operating cost of the insurance,the evolutionary stable strategy is“no implementation,no provision,no operation”.Second,when the banks'income from forestry carbon sinks pledge is less than its income from no such pledge,the evolutionary stable strategy is“no implementation,no provision,operation”.Third,when the income of the forestry enterprises implementing carbon sinks projects is greater than the additional cost,the income of the banks providing credit is higher than its cost,and the operating cost of insurance companies is greater than its income,the evolutionary stable strategy is“implementation,provision,no operation”.Fourth,when the sum of the income and insurance indemnity of the forestry enterprises implementing carbon sinks projects is greater than the sum of the additional cost and premium,the income of the banks providing credit is higher than its cost,and the operating cost of the insurance companies is less than its income,the evolutionary stable strategy is“implementation,provision,operation”.⑷Conclusions and Discussions——

关 键 词：林业碳汇 时间偏好 质押信贷 指数保险 演化博弈 

分 类 号：F840.66[经济管理—保险] F832.43