我国农村保险扶贫的困境及对策

The Predicament and Countermeasures of China's Rural Insurance in Poverty Alleviation

保险扶危济困的本质注定了其与扶贫开发天然的内在联系,经济补偿、资金融通等职能赋予了保险在扶贫开发中的特殊意义。近年来,我国保险业积极投身到农村扶贫开发中并取得显著效果,但是农村保险扶贫工作仍存在农村保险有效需求不足、保险公司经营困难、保险扶贫法律缺位和滋生腐败等问题。研究如何发挥保险行业的先天优势,继续为我国扶贫开发"输血"、"造血",具有现实意义。本文从保险扶贫对象、保险公司和政府三个角度出发,力图系统地分析保险扶贫在不同主体中存在的问题,并提出相应建议。

The essence of insurance is to help those who are in distress which has been destined to its natural connection with poverty alleviation and development. Economic compensation, financing and other functions have given the special significance of insurance in poverty alleviation and development. In recent years, China＇s insurance industry has actively participated in rural poverty alleviation development and achieved remarkable results. However, there are still some problems in rural poverty alleviation work. For example, the lack of effective insurance demand in rural areas, difficulties in operating insurance corn panies, poor laws and regulations for poverty alleviation, to exert the innate advantages of the insurance industry practical significance. and serious corruption. Studying how to continue in poverty alleviation and development is full of