保险业推进精准扶贫路径探析

Research on the Path of Insurance Industry to Promote Accurate Poverty Alleviation

党的"十八大"以来,国家大力推进"精准扶贫",保险作为人类在生产生活中不断总结出的先进产物,生来便具有扶危济困的天然属性。改革开放以后,保险业更是迅速发展,其规模及保障功能也不断扩大。同时,保险在保障人类生产生活及防止人们致贫返贫方面也发挥着越来越不可替代的作用。此外,各国政府也越来越重视保险在促进当地经济发展中的重要作用,将保险作为扶贫开发的重要力量。但保险扶贫存在着认识、发展、投入不足及机制体制不健全等主要问题,通过对这些问题进行分析,摸索出了保险业推进精准扶贫的路径。

Since the eighteenth national congress of the party,the state vigorously promote the ＂ precision poverty alleviation＂,insurance as human beings in production and life constantly summed up the advanced products,was born with the nature of helping the poor. After the reform and opening up,the insurance industry is developing rapidly,and its scale and protection function are expanding. At the same time,insurance plays a more and more irreplaceable role in guaranteeing human production and life and preventing people from returning to poverty. In addition,governments pay more and more attention to the important role of insurance in promoting local economic development,and regard insurance as an important force for poverty alleviation and development. However,there are some main problems in insurance poverty alleviation,such as understanding,development,insufficient investment and imperfect mechanism and system. through analyzing these problems,this paper probes into the paths for insurance industry to promote accurate poverty alleviation.