贫困脆弱性视角下农户保险防返贫效应的实证研究

An Empirical Study on the Effect of Farmers'Insurance Against Returning to Poverty from the Perspective of Poverty Vulnerability

基于青岛市入户调查数据,运用VEP方法,选取三条贫困线标准,对脱贫农户和一般农户的贫困脆弱性进行了测度与对比分析,全面呈现了绝对贫困终结后脱贫农户的返贫可能性大小。进一步从贫困脆弱性视角,实证研究了农户保险的防返贫效应,结果表明保费支出增加与多样化保险能够显著降低脱贫农户的返贫可能性。基于研究结论提出了绝对贫困终结后保险助力防返贫的对策建议。

Based on the household survey data in Qingdao,using VEP method and selecting three poverty line standards,the poverty vulnerabilities between out-of-poverty farmers and ordinary farmers are measured and compared,which fully shows the poverty returning possibility of out-of-poverty farmers after the end of absolute poverty.Furthermore,from the perspective of poverty vulnerability,the effect of premium expenditure on the prevention of poverty returning is empirically analyzed.The result shows that the increase of premium expenditure and the diversification of insurance can significantly reduce the possibility of out-of-poverty farmers returning to poverty.Based on the research conclusions,countermeasures and suggestions are put forward that insurance can help prevent poverty returning after the end of absolute poverty.