农业政策性银行支持政策性森林保险高质量发展的研究综述
Research Review on the Agricultural Policy Bank’s Support for the High-Quality Development of Policy Forest Insurance

本文系统梳理了近年来关于农业政策性银行支持政策性森林保险高质量的研究成果。政策性森林保险的高质量发展，通过其重要性、种类多样等优势，为农户个人及林业企业提供了更多的金融选择。文献表明，政策性森林保险的高质量发展是可测度并且可以分析出影响因素。同时，银行可以通过提供多样化的金融产品和服务，如“银行 + 保险”的模式助推政策性森林保险高质量发展。然而，现有研究也指出了政策性森林保险在推广中的挑战，如道德风险、资金不足、金融素养不足等。本文综述了这些研究成果，为农业政策性银行助推政策性森林保险提供了参考和借鉴。
This article systematically sorts out the research results of agricultural policy banks and policy forest insurance in recent years. High-quality development of policy forest provides more financial choices for individual farmers and forestry enterprises through its advantages such as importance and species diversity. The literature shows that the high-quality development of policy forest insurance is measurable, and the influencing factors can be analyzed. At the same time, banks can promote the high-quality development of policy forest insurance by providing diversified financial products and services, such as “bank insurance” model. However, the existing research also points out the challenges of policy forest insurance in the process of promotion, such as moral hazard, lack of funds, and financial literacy and so on. This paper reviews these research results and provides references for agricultural policy banks to help promote policy forest insurance.