吉林保险业参与精准扶贫的路径研究

Study on the Path of Jilin Insurance Industry Participating in Precise Poverty Alleviation

改革开放以来,我国实施大规模扶贫开发,使7亿农村贫困人口摆脱贫困,取得了举世瞩目的伟大成就。党的十八大以来,习近平总书记把扶贫开发工作摆在更加突出的位置,创新提出了"精准扶贫"的重要思想,为下一步开展扶贫开发工作指明了方向。保险作为市场化的风险转移机制、社会互助机制和社会管理机制,有助于增强贫困人口的风险抵抗能力,有助于放大扶贫资金的使用效应。本文以吉林省为例,系统研究了保险业深度参与精准扶贫的工作路径。本文主要包括以下几部分:第一部分,吉林保险业参与精准扶贫的政策依据;第二部分,吉林省贫困人口的贫困现状及保险需求分析,重点分析贫困人口的致贫因素,进而推导贫困人口的风险保障需求;第三部分,吉林保险业参与精准扶贫的路径,主要包括大病保险、农业保险、民生保险、保证保险、资金运用等;第四部分,深入分析了当前保险扶贫存在的困难,并研究提出下一步推进保险扶贫的政策建议。

Since the reform and opening up, China implemented large-scale poverty alleviation and development, so that 700 million rural poor people out of poverty, has made great achievements in the world. Since the eighteen year of the party, general secretary Xi Jinping has put the work of poverty alleviation and development in a more prominent position, and has put forward the important thought of ＂precision poverty alleviation＂, which has pointed out the direction for the next step in poverty alleviation and development work. Insurance, as a market-oriented risk transfer mechanism, social mutual aid mechanism and social management mechanism, will help to enhance the risk resistance ability of the poor population, and help to enlarge the use effect of poverty alleviation funds. Taking Jilin Province as an example, this paper systematically studies the working path of the insurance industry＇s participation in poverty alleviation. This paper mainly includes the following parts： first, the Jilin insurance industry to participate in the precise poverty alleviation policy basis; the second part, analysis of the poverty situation and insurance needs of the poor population in Jilin Province, focus on the analysis of causes of poverty of the poor, and the risk is poor security needs; the third part, the Jilin insurance industry to participate in the path of precise poverty alleviation, including illness insurance, agricultural insurance, livelihood insurance, guarantee insurance, the use of funds; the fourth part, indepth analysis of the current poverty alleviation insurance difficulties, and proposed the next step to promote poverty alleviation insurance policy recommendations.