Analysis Of Influencing Factors Of Willingness To Pay And Payment Level Of Forestry Insurance For Forest Farmers

Forest resources play an important role in promoting the development of forestry industry,enhancing forest economy,increasing forest income and improving ecological environment.However,forest resources are vulnerable to disasters such as fire,diseases and insect pests,and effective risk transfer tools are urgently needed to help foresters mitigate the losses of disasters in forestry operation.Forest insurance is a kind of financial tool,which can effectively avoid the risk of forestry operation and reduce the loss of forestry risk.It has become an important tool and means to transfer the risk of forestry operation.Foresters can be divided into scale foresters and general foresters according to forest area.In order to distinguish the foresters insurance payment behavior of the above two types of forestry operation subjects,this study empirically compared and analyzed the factors influencing the willingness to pay and the level of payment of forest insurance of157 scale foresters and 216 general foresters questionnaires.The main conclusions of this study are as follows :(1)Age,household labor force and per capita annual income have no significant influence on the willingness to pay for forest insurance of large-scale and general foresters.The proportion of forestry income,the degree of forestry risk awareness,the degree of understanding of forest insurance,the degree of trust of insurance companies,government subsidies and education level had significant positive effects on the willingness to pay for forest insurance of large-scale foresters and general foresters.The effect of premium level on the willingness to pay for forest insurance of scale foresters and general foresters was significantly negative.In addition,forest area only has a significant positive impact on the willingness to pay for forest insurance for general foresters,and guarantee level only has a significant positive impact on the willingness to pay for forest insurance for large-scale foresters.(2)Age and household labor force have no significant effect on the level of forest insurance payment of large-scale foresters and general foresters.The proportion of forestry income,per capita annual income,forestry risk awareness,understanding of forest insurance,trust of insurance companies,security level,government subsidy and education level have significant positive effects on the payment level of forest insurance for both large-scale and general foresters.The effect of premium level on the payment level of forest insurance of scale foresters and general foresters was significantly negative.In addition,forest area has a significant positive effect on the level of forest insurance payment of large-scale foresters,but has no significant effect on the level of forest insurance payment of general foresters.Based on the empirical analysis of the willingness and level of payment of two types of forest insurance,this paper discusses the factors influencing the willingness and level of payment of two types of forest insurance,and puts forward suggestions to promote the willingness and level of payment of forest insurance: promoting the appropriate scale of forest land management,increasing the proportion of forestry,agriculture and forestry income,improving the risk perception of forestry,agriculture and forestry,strengthening the publicity of forest insurance,improving the service quality of insurance companies,designing different security levels,and improving the level of government subsidies.