在后金融危机时代，保险资金如何获得稳健的收益是保险公司提高经济效益和保持持续经营的重要课题。

The financial crisis era, insurance fund how to get strong returns is the insurance company to improve the economic benefit and sustainable management important topic.

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森林保险范围窄，森林保险经营者风险集中，赔付率高，保险公司难以获得经济效益，商业保险公司的盈利性与政策性的矛盾，造成森林保险展业难、收费难、理赔难。

For the insurance company, its narrow scope makes the proprietor's risk and the premium much higher. It is very difficult getting profit and causing the conflict of the profit and the policy.

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