绿色保险“解锁”生态治理新密码

Core Viewpoint - The integration of ecological governance and green finance is essential for addressing the challenges faced by forest resources in Shanxi Province, particularly in the context of risk management and insurance solutions [3][4][5]. Group 1: Ecological Challenges - Shanxi Province has rich forest resources but faces significant ecological challenges, including insufficient ecological risk protection, low social awareness, and weak risk reduction management [3]. - The existing insurance coverage primarily focuses on public welfare forests, leaving many commercial forests and forest economy sectors without effective risk protection against new complex risks such as pests and extreme weather [3]. Group 2: Insurance Solutions - China Life Property & Casualty Insurance in Shanxi has expanded its insurance offerings beyond public welfare forests, providing risk coverage for 44.1 billion yuan across 40.28 million acres of ecological forests [5]. - Innovative insurance products have been developed, including ancient tree insurance, wildlife damage compensation insurance, and forest carbon sink remote sensing index insurance, to address specific risks in forestry [5]. Group 3: Risk Management and Social Responsibility - The insurance company emphasizes the importance of proactive risk management and social governance responsibilities, moving from post-disaster compensation to preemptive risk control [6][7]. - A significant portion of the insurance premiums is allocated to biological pest control and forest fire prevention, with investments in a comprehensive monitoring network that integrates satellite, tower, and drone inspections [7]. Group 4: Impact on Forest Management - The collaboration between the insurance company and forest management entities has led to an increase in risk coverage from 285 million yuan to 343 million yuan for the forest area in the coming years [7]. - The implementation of advanced monitoring technologies has improved risk assessment and management, contributing to a healthier forest ecosystem and better support for forest rangers [7][8].