保险助力精准扶贫:作用机理、功能价值与对策建议

发布时间：2018-01-16 15:44

  本文关键词：保险助力精准扶贫:作用机理、功能价值与对策建议　出处：《南方金融》2017年08期 　论文类型：期刊论文

  更多相关文章： 脱贫攻坚 精准扶贫 保险扶贫 风险保障 融资增信

【摘要】：保险助力精准扶贫对整个国家、社会以及保险业自身都具有重要意义。保险扶危济困、互助共济的理念与扶贫开发紧密契合,保险能够有效防止因灾、因病致贫和返贫,保险是扩大扶贫资源供给的重要途径。保险助力精准扶贫具有机制、服务、资金等方面的优势,其保障功能有助于提升贫困地区风险管控能力,利益调节功能有助于促进贫困治理方式创新,融资功能有助于向贫困地区"输血"并促进"造血",杠杆功能有助于增强扶贫资金的使用效果。建议采取有效措施引导保险资金参与扶贫开发,鼓励保险公司开发针对贫困地区需求的特色保险产品,加大对扶贫保险的财政支持力度,大力发展贫困地区小额信贷保证保险、为贫困人口提供融资增信,在全国范围内创建若干"保险业精准扶贫示范县"。
[Abstract]:Insurance help precise poverty for the whole country, society and insurance industry are of great significance. In the concept of mutual aid insurance, poverty alleviation and development closely fit, the insurance can effectively prevent tolls due to illness, poverty and poverty alleviation, insurance is an important way to expand the resource supply. Power has the precise poverty insurance mechanism, services, capital and other aspects the advantage of the security function helps to enhance the risk management ability of the poverty-stricken area, the interest adjustment function helps to promote the innovation of poor governance, financing function to help poverty-stricken areas to promote the "blood transfusion" and "blood", lever function helps to enhance the poverty alleviation fund use effect. Effective measures should be adopted to guide the insurance funds participate in poverty alleviation and development, to encourage insurance companies to develop in poor areas of demand characteristics of insurance products, increase financial support for poverty alleviation and insurance, vigorously Development in poor areas of microfinance guarantee insurance, credit to provide financing for the poor, "the insurance industry to create a number of accurate poverty alleviation demonstration counties in the country.

【作者单位】： 广东技术师范学院;
【基金】：广东金融学会2016-2017年度重大决策咨询研究课题《保险业支持广东精准扶贫研究》(项目编号:GDJRXH201615) 广东省普通高校省级重大研究课题《广东民族地区社会治理体制机制研究》(项目编号:2016WZDXM030)的阶段性成果
【分类号】：F323.8;F842.6
【正文快照】： 精准扶贫是减贫新形势下我国扶贫开发的基本方略,是对以往减贫理论的传承和创新,开辟了我国农村贫困治理的新路径。实现我国“2020年完成脱贫攻坚,确保农村贫困人口全部脱贫”的战略目标,需要社会各界协同合作、共同努力。金融作为经济发展的血液,是扶贫开发、脱贫减贫的重要，

本文编号：1433782