普惠保险推进共同富裕实现的理论逻辑与效应——基于中国区县数据的实证研究

The Theoretical Foundations and Impacts of Inclusive Insurance in Promoting Common Prosperity—Based on Chinese County-level Data

共同富裕是社会主义的本质要求,普惠保险发挥了“经济减震器”和“社会稳定器”功能,在实现共同富裕中有着重要作用。本文运用中国县级数据实证检验普惠保险对共同富裕的影响,实证结果显示,普惠保险可以促进共同富裕水平的提升,收入差距在城市、农村内部以及城乡之间均实现收敛,地区间收入差距在缩小,收入不平等程度在降低,本文还发现普惠保险指数对共同富裕的促进作用在农村更加显著。中介效应分析发现普惠保险通过促进经济增长和增加社会福利促进共同富裕,异质性分析发现普惠保险对不同地区城乡收入均值的影响有地域上的差异。最后,本文从增强普惠保险的收入再分配功能、进一步提高普惠保险产品和服务的普惠性、发挥普惠保险风险管理功能这三个方面给出政策建议。

Common prosperity is a fundamental goal of socialism,and inclusive insurance emerges as a pivotal mechanism in attaining this goal by acting as both an economic shock absorber and a societal stabilizer.This study employs county-level data from China to examine the influence of inclusive insurance on common prosperity empirically.The findings reveal that inclusive insurance plays a significant role in elevating common prosperity levels and narrowing the income disparity within urban areas,rural locales,and across the urban-rural divide,contributing to a reduction in both regional income gaps and income inequality.Notably,the research indicates that the impact of inclusive insurance is more pronounced in rural regions,enhancing common prosperity to a greater extent.Through mediation effect analysis,it is evident that inclusive insurance fosters economic growth and augments social welfare,thereby facilitating common prosperity.The heterogeneity analysis further highlights the varying effects of inclusive insurance on the average incomes of urban and rural populations across different regions.In response to these findings,the study proposes policy recommendations focusing on three areas:bolstering the income redistribution function,enhancing the inclusiveness of insurance,and maximizing its role in risk management.