普惠性小额保险的精准特惠——基于宁夏盐池县“扶贫保”的案例分析

Accurate Targeting of Inclusive Micro-insurance——Analysis of “Poverty Alleviation Insurance” in Yanchi County

小额保险已成为推动金融普惠的重要力量,但在农村地区,普惠性小额保险的发展受到了其所依托条件的限制。以宁夏盐池县"扶贫保"的实施和推广为案例,从贫困人口风险源、保险扶贫机制创新及施行效果等角度,就农村普惠性小额保险的扶贫作用进行分析。研究发现,盐池县通过打造保险组合产品、增加保费补贴力度、完善信用培育机制、拓宽资金融通渠道等,着力解决保险扶贫中面临的"贫困瞄准偏离""可持续性低""成本过高"等问题,实现了普惠性小额保险的精准扶贫与机制创新。其中,政府在保险供应链的运行中扮演重要角色,为保险供给方和需求方的有效对接提供信息和资金支持。

Micro-insurance has become an important part of inclusive finance. Taking the imple-mentation and promotion of “poverty alleviation insurance” in Yanchi County, Ningxia Au-tonomous Region as a case, this paper analyzes the effect of inclusive micro-insurance on poverty alleviation. From the perspective of risk source analysis, innovation of insurance poverty alleviation mechanism and implementation effect, this study found that Yanchi County aimed at solving prob- lems faced by insurance poverty alleviation such as poverty targeting deviation,low sustainability and high cost, by creating insurance packages, increasing premium subsidies, improving credit culti-vation mechanism and broadening financing channels. The government plays an important role in the operation of the insurance supply chain, providing information and financial support for the effective docking between the insurance supply side and the demand side.