保险扶贫的减贫效果分析

Analysis of Poverty Reduction Effect of Insurance Poverty Alleviation

贫困问题是当今世界最尖锐的社会问题之一,为了解决我国的贫困问题,精准扶贫概念已提出五年有余,保险扶贫作为精准扶贫的一大利器,其成效如何值得关注。本文利用2013年至2016年我国30个省(市、直辖区)的统计数据,运用固定效应模型对保险扶贫的减贫效果进行分析,研究发现保险业的发展确能有效促进贫困人口规模的减少,保险扶贫的相关手段应进一步推广,打造符合贫困群体实际需求的保险扶贫产品和服务体系,为实现全面脱贫奠定坚实基础。

The problem of poverty is one of the most acute social problems in the world.In order to solve the problem of poverty in China,the concept of targeted poverty alleviation has been put forward for more than five years.As a sharp tool of targeted poverty alleviation,the effect of insurance poverty alleviation is worthy of attention.This paper,by using 2013-2016 China’s 30 provinces(cities,territory)of statistical data,using fixed effect model for insurance poverty alleviation poverty reduction effect is analyzed,the study found that it can effectively promote the development of insurance industry reduce poverty population scale,insurance related means of poverty alleviation should further promote,create accord with the actual needs of poor insurance product and service system for poverty alleviation,lay solid foundation for the realization of comprehensive poverty alleviation.