中文摘要：

通过构建一个有同时选择的动态博弈模型来模拟政府、保险公司、森林经营者之间的策略选择，分析政府财政补贴政策与森林保险投保行为的关系：如果政府想摆脱目前森林保险的困境，实现社会福利最大化，就必须提供政策性森林保险制度，并给予实质性的财政补贴支持。

英文摘要：

A dynamic game model with decisions at the same time will be constructed in this paper in order to simulate the decision of strategies among the government, insurance company and the insured. In this game model, the relationship between the policies of financial subsidies and the behaviors of forest insurance coverage will be analyzed and a conclusion will be gotten that if the government wants to walk out the dilem- ma of the present forest insurance, the policies of forest insurance with financial subsidies should be provid- ed substantively.