保险反贫困:政策评议、现实挑战与路径优化

中国实践表明,保险作为金融扶贫的代表性工具在脱贫攻坚阶段发挥了积极作用。“后脱贫时代”存在的返贫风险及减少相对贫困的新目标为保险反贫困应用带来新的挑战。对保险反贫困相关政策进行梳理,并结合实践成效予以评议,针对保险反贫困进程中存在的问题及面临的新挑战,进一步探讨未来保险反贫困的路径优化。在深挖保险反贫困历史应用的基础上,尝试解决扶贫工作面临的痛点问题,强调保险反贫困中国式应用的社会化、多元化、长久化发展趋势,为保险反贫困提供借鉴与思路。

Insurance Anti-Poverty:Theoretical Explanation,Policy Review and Path Optimization

China’s practice shows that insurance,as a representative tool of financial poverty alleviation,has played an active role in the poverty alleviation stage.The risk of returning to poverty in the“post-poverty era”and the new goal of reducing relative poverty bring new challenges to the anti-poverty application of insurance.This paper sorts out relevant insurance anti-poverty policies,and comments on the effectiveness of practice,to further explore the future path optimization of insurance anti-poverty in view of the existing problems and new challenges in the insurance anti-poverty process.On the basis of digging deep into the historical application of insurance anti-poverty,try to solve the pain points faced by poverty alleviation work,emphasizing the socialization,diversification,and long-term development trend of the Chinese-style application of insurance anti-poverty,providing reference and ideas for insurance anti-poverty.