三次分配背景下保险推进共同富裕的对策研究

Research on the Countermeasures of Insurance Promoting Common Prosperity under the Background of Triple Distribution

在三次分配背景下,社会保险、政策保险、普惠保险被视作社会分配框架中的重要角色,通过产品的多元发展、服务范围的广泛覆盖和金融机构的合作加强来实现托底性基础保障和助推性扩大保障,文章针对保险保障在促进共同富裕路径中存在的“基础保费与赔付不对等”“覆盖范围与社会需求不契合”“返贫兜底与振兴建设功能不平衡”3个方面的矛盾进行分析,提出应针对性实施政策优惠,在效果导向下创新保险服务,并加强居民参保以实现保险机构的数据预测精准性等对策建议,实现风险分摊,进一步推动共同富裕。

In the context of the third distribution,social insurance,policy insurance and inclusive insurance are regarded as important roles in the social distribution framework.Through the diversified development of products,the extensive coverage of services and the strengthening of cooperation between financial institutions,the basic security and the expansion of security can be realized.Aiming at the insurance guarantee in promoting common prosperity path that exist in the"basic premium and unequal pay""not fit coverage and social needs""Chinese out and revitalization of the construction function imbalance"three aspects of contradiction analysis,should be targeted to implement preferential policies,under the effect of guide innovation insurance services,and strengthen the residents to participate in insurance to achieve the accuracy of data prediction of insurance institutions and other countermeasures and suggestions,to achieve risk sharing,further promote common prosperity.