Research On The Determination Of Forest Fire Insurance Rates Based On Fire Risk Zoning In Greater Khingan Range,Inner Mongolia

Forest fire insurance plays an important role in the construction of forestry industry.Forest fire insurance can provide strong protection for forestry owners after a forest fire,and can effectively promote the development of forestry in the Greater Khingan Range area of Inner Mongolia.Therefore,it is of great practical significance to scientifically determine the forest fire insurance rate in Greater Khingan Range,Inner Mongolia.In order to better understand the research situation of forest fire insurance,first of all,this thesis analyzes the research situation of national forest fire insurance by using visual analysis software.Secondly,by constructing a forest fire risk zoning index system,the fire risk level zoning in the Greater Greater Khingan Range of Inner Mongolia is carried out,and the forest fire insurance rates in the Greater Khingan Range of Inner Mongolia are finally estimated based on the zoning results.(1)On the basis of expounding the basic concepts of forest fire insurance,risk zoning and rate determination,combined with the research progress of forest fire insurance at home and abroad and the development status of forest fire insurance in my country,the thesis deeply studies the current development history and challenges of forest fire insurance.The problem.The index system of forest fire risk level division is reasonably constructed,and the cluster analysis method is used to carry out the risk level division of forests in the Greater Khingan Range area of Inner Mongolia.Grade: High-risk areas include Aershan,Chuoer,Beidahe,Bilahe,Dayangshu,Jiwen,Alihe,Keyihe,Ganhe;higher-risk areas include Chuoyuan,Turi,Jinhe,Alongshan and Mangui;general risk areas include Wuerqihan,Kudur,Ituri River,Genhe,and Management Bureau;low-risk areas include Mordaoga and Deerpur.(2)Calculate the forest fire loss rate in Greater Khingan Range,Inner Mongolia from2003 to 2018,use exponential smoothing method to predict the forest fire loss rate in each region,and then estimate the forest fire insurance rates in Greater Khingan Range,Inner Mongolia based on the results of fire risk classification.The research results show that the forest fire insurance rates in the Greater Greater Khingan Range of Inner Mongolia are:high-risk areas: 7.309‰-3.096‰,higher-risk areas: 3.096‰-2.486‰,general risk areas:2.486‰-2.092‰,the rate of low risk area: 2.092‰-1.996‰.(3)Based on the forest fire risk level in the Greater Khingan Range of Inner Mongolia and the forest fire insurance rates in various regions,put forward practical and feasible countermeasures for the development of forest fire insurance from the aspects of policy guidance,financial subsidies,and professional personnel training.