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    農業論文

    廣西桉樹保險問題透視與解決對策

    時間:2019年06月04日 所屬分類:農業論文 點擊次數:

    摘要:桉樹是廣西最為重要的經濟樹種之一,對于林業經營者的收入水平提升有著重要的作用。對桉樹經營做具體的分析發現,桉樹在經營的過程中會因為氣象災害發生較大的損毀,這種損毀對于林業經營者來講十分不利,所以啟動桉樹保險能夠有效的保障桉樹經營者的

      摘要:桉樹是廣西最為重要的經濟樹種之一,對于林業經營者的收入水平提升有著重要的作用。對桉樹經營做具體的分析發現,桉樹在經營的過程中會因為氣象災害發生較大的損毀,這種損毀對于林業經營者來講十分不利,所以啟動桉樹保險能夠有效的保障桉樹經營者的利益。針對廣西桉樹保險落實中存在的問題做具體的分析,提出了有效的解決措施。

      關鍵詞:林業保險;供需平衡;桉樹

    現代園藝

      桉樹是目前廣西栽種的主要樹種之一,也是林木經營的重要樹種,所以保障桉樹經營效益不僅對林木經營者有重要的作用,對于廣西地區的綠化和環境問題的改善也有重要的作用。就當前的廣西桉樹栽種分析來看,為了保障林木經營者的效益,推進桉樹栽種的積極性,廣西境內保險公司針對桉樹栽種和遇災的情況確定了較為完整的桉樹保險體系。總結資料發現應用此體系,保險公司多次賠付了境內桉樹因為火災、風災所造成的損失,此種賠付行為保障了林木經營者的效益。

      1當前桉樹保險存在的問題

      就當前的桉樹保險具體分析來看,其存在著四個方面的顯著問題:①是林權制度存在著缺失。從實踐分析來看,我國當前在桉樹經營方面存在著較為顯著的權、責、利劃分不明的情況,這種情況在集體所有桉樹經營中表現得更加具體。因為權、責等不夠清晰,所以投保的主體以及受益人都會出現模糊,這種現象會導致經營者投保積極性的下降,所以林業保險的具體推進比較困難;②是桉樹保險供需存在著失衡的情況。就目前的分析來看,桉樹經營需要保險為經營效益做保障,但是經營者的保險投入會增加企業的成本負擔,而且國家和政府對于保險缺少相應的補貼,這使得很多經營者不愿意增加保險投入,所以阻礙了桉樹保險的執行;③是林業保險技術比較匱乏。

      當前我國的桉樹保險在技術分析和研究方面較為滯后,而且區域實踐存在著差異性,所以技術的統一和規范無法實現,具體技術的執行效果較差。其四是我國林業保險法律體系存在著不健全的情況。法律體系是林業保險推進的重要保障,其對于林業保險的標準化發展和規范化進步有重要意義,而當前林業保險法律與實踐的脫軌導致了保險推進的困難。

      2桉樹保險問題的解決對策

      2.1完善林業保險法律體系

      桉樹保險的秩序和有效實施需要有基本的法律法規做保障,這樣,桉樹保險執行的強制性以及規范性才會更加的突出,所以需要針對當前林業保險法律漏洞做相應的補充和完善,這樣,完善的法律保險體系構建才會達到預期的目標。就當前的分析來看,為了提升桉樹賠償的統一性,基于森林保險的賠償標準進行了桉樹市場價值的具體核算,并以價值核算為基礎構建了桉樹賠償標準體系。其中《廣西壯族自治區政策性森林保險災害損失認定標準》,《北部灣財產保險股份有限公司政策性森林綜合保險(廣西地區)條款》等對桉樹受災的具體賠付項目、款項標準等進行了明確的規定,這些規定的執行使得桉樹保險的統一化和標準化推進更具效果。

      2.2從供需平衡的角度入手加大林業保險投入

      林業保險問題的解決要緩解供需失衡的問題,所以要從供需平衡的角度入手加大林業保險投入。其一是政府要強化其在林業保險宣傳方面的作用,所以政府需要加大宣傳的投入提升宣傳力度。通過宣傳強化改變林業經營者對桉樹保險的認知,這樣,桉樹保險的工作推進會更容易;其二是政府需要通過財政投入的增加實現對林業經營者的補貼,這樣可以刺激經營者的熱情,從而拉動林業保險的需求;其三是國家可以通過專款劃撥的形式對林業保險企業做直接的經濟補償,這樣可以實現對林業保險品種的刺激,進而實現林業保險市場的發展;其四是加強對林業技術的投入,從而實現林改工作推進速度的提升,進而發展具有競爭力的林業產品。

      廣西在近年來積極地推進森林保險,在桉樹保險方面取得了較為顯著的成績。2014年7月19日,超強臺風“威馬遜”侵襲北海,導致被保險人北海市林農楊某種植的桉樹嚴重受損,部分林區損失率超90%。被保險人報案后,保險公司高度重視,在區分公司理賠工作小組的帶領下,次日即開展查勘定損工作,僅用四天時間就將662505元的賠款交到了該林戶手中。從這個例子可以看出,雖然廣西的桉樹種植會受到臺風等的影響,但是有了保險做保障,種植戶的種植熱情依然高漲。

      2.3深化集體林權的制度改革

      在林業保險問題的具體解決中,深化集體林權的制度改革也十分的必要。從具體的分析來看,林權責任主體的不明確對于桉樹經營來講較為不利,所以要通過改革確立完整且具有可執行性的林權結構體系和規范的產權流轉體系。近年來,隨著地方政府的重視,集體林權的制度改革全面推進,這使得桉樹經營的權、責和利有了明確的區分。

      在權責區分明確的情況下,保險賠付推進也更為有效。在2015年4月6日,梧州市岑溪市南渡鎮高創村由于不明原因導致山林火災。保險公司對受災林區進行了責任確定,因為災害發生日期(2015年4月6日)在保險期限(2014-09-14至2015-09-13)內;而且出險地點(岑溪市南渡鎮高創村)、出險標的(商品林)、事故原因(火災)均在投保范圍內,因此在勘察后確認過火面積96.3畝,屬保險責任。

      基于相應的賠償規定對需要賠付的內容進行核算,因為每次事故絕對免賠5%畝,而且桉樹過火面積96.3畝中墳地、巖石、空地等占1%,另外,不設觀察期按損失金額的80%比例賠償,所以基于現實規定,具體賠付的金額按照公式計算為:96.3×(1-1%)×391.8×22%×(1-20%)×(1-5%)=6245.42元也就是說最后桉樹經營者能夠拿到6245.42元的賠償金額。正是因為林權改革使得權責進一步明確,所以具體的賠付在更好確認。

      參考文獻:

      [1]全剛,吳美容,石靜.林業保險問題透視與相應的解決對策探討[J].現代園藝,2016(2):206.

      [2]黃穎潔,羅明燦,郭峰,等.玉溪市森林火災保險實施中存在的問題及解決對策[J].農業工程,2016,6(1):105-107.

      [3]馬慧靜,王祖善.青海省政策性森林保險的實踐與發展對策研究[J].遼寧林業科技,2016(6):63-65.

      推薦期刊:《現代園藝》本刊是我省唯一的國藝實用科技期刊,主要以傳播先進實用的果樹、蔬菜、花卉、西甜瓜等良種良法為主。始終貫“推廣變及先進實用的田間載培技術”為宗旨,以其學術的權威權,時效性和一貫取信于民、講求實效的作風在國內園藝界樹立了良好的形象。

      

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