《精准扶贫视角下农村贫困人口参保影响因素研究以M县为例》由会员分享，可在线阅读，更多相关《精准扶贫视角下农村贫困人口参保影响因素研究以M县为例（29页珍藏版）》请在金锄头文库上搜索。
1、摘要改革开放以来。虽然我国扶贫工作取得了很大成就，但由于扶贫对象规模大,基础差,相对贫困问题凸显,因病、因灾致贫返贫现象时有发生，贫困地区尤其是集中连片特困地区发展相对滞后,扶贫开发任务仍十分艰巨。在这种情况下,国家提出了针对不同贫困区域环境、不同贫困农户状况，运用科学有效程序对扶贫对象实施精确识别、精确帮扶、精确管理的精准扶贫概念。精准扶贫的核心就是针对贫困人口的不同个体情况，分析贫困产生的具体原因，按照因地制宜、因户施策、因人施策的原则制定相应的脱贫措施。随着精准扶贫、精准脱贫方略的深入实施，因病因灾致贫返贫的问题日益突出,资料显示，我国农村贫困人口中，因病致贫的占2，因灾致贫的占2,风险
2、问题已经成为制约贫困人口脱贫的一大重要因素。而风险保障是保险的看家本领,是有效解决贫困人口抵御风险的手段，近年来，扶贫部门和保险监管部门通力合作,从农业保险、健康保险、民生保险、产业脱贫保险、教育脱贫保险等方面持续发力，大力推动保险服务精准扶贫，取得了明显成效,保险扶贫已逐渐成为政府解决因病返贫、因灾返贫这一难题的良方。近年来扶贫保险虽然获得了一定发展，但根据保险机构的统计数据显示，贫困人口的参保比例仍然较低。鉴于此，本文在文献回顾和分析的基础上,通过对国家扶贫开发工作重点县M县的5个行政村,50户贫困户的调查，对县农村贫困人口购买扶贫保险意愿进行了分析,找出影响因素,并提出相应对策。通过调查
3、和分析可知，影响贫困人口购买扶贫保险的因素有：政府部门和保险机构对扶贫保险的宣传力度,贫困人口对保险的了解程度，保险机构的服务水平、政府的补贴水平。目前M县扶贫保险发展过程中存在的问题主要一是贫困人口投保基数小，保险公司经营成本高，政府补贴资金缺乏；二是贫困户投保过程中存在道德风险与逆向选择问题；三是保险赔付的价格监测成本过高;四是保险公司的宣传和服务还需提高。综合调查分析结果,针对M县扶贫保险发展的现状和特点,提出了以下对策建议:一是在政府主导的模式下，提高贫困户购买扶贫保险的参与度和保险意识;二是制定科学合理的补贴标准;三是加强对扶贫保险的宣传力度;四是提高保险机构的服务水平；五是降低保险
4、机构的运营成本,使扶贫保险可持续发展。六是统筹一部分扶贫资金用于扶贫保险的保费补贴，解决资金制约。关键词：精准扶贫，扶贫保险,影响因素AstrSice te reform nd opening up， hinas oerty aleation and delpmnt hs maderemrkabe chevents. The ru por opulatin hsdropped fro 25 milio in 1978 43.35 illn b the nd of 202X. Although rat cheemen have been a ipetyallevtion wrk oucontry
5、,ue elarge le ofpoverty,por ondatin an hroblmof relti povety is highlhtd， the usesof povrtyuto illns n naualdisasters hv occudfrom me me. Howver，e event lag behd i poor areas, espeilly econtigoudetitue areas, Thtsk of overty lviion andevlmet istil ey ardos. Consideri sch cmtaces, the ste ha put fora
6、dhe cocept fprecie povertallvition imed a eciselyientifing， acurately hpng,and acurtey anagin the targets ofpvert-strcken eopl in dfferent poerd regionl environmns theeent coditns f poorpeasats.The core o pecis pover alleviin is trgting tedifrent idvidul overtyricn oanalye he specifcses ofovert,iaco
7、ancew lacoditions, the polo ndivu useol， anpolicy makig due t the elopmet of appropiate aiperty measureit epreepovrty allevition n he recise mlementation o the tioverty srategy, he poble ofoverynpovertycused y h illnes addisastr hasbcome icreasingy prominen. ccordig o the ststcs,amogte rul poor i Ch
8、na,42% arepoo becuse of illnes， 20% are por bcau of isaster. Theris roblm as beome a ajor fato constainn t poor from get thinuto poerty. nrecen years, he overyallvaion depmns and heinrce reglatoryauhrits wrktgethefom h apecs of agricutural israce, health nurance, lilihood nsurne,idustrial over insua
9、ne, eduaton o of pverty insurance n so on. In terms of sstin efrts and viouspubciy of pertyallevition yisurance servies， emrkable achieement ave beemde. overty lleviaton inurace hsgraduall becom arecipe fr thegvermen t solve thprblef etrng povty aaeult of tdiea and illss.In ecetears， although the po
10、vr allevaioinurancehmadesome proress, accrdng ote satistcs of the insurane isttutons， th perentage f insuedpon in epoorpopuain is stll low. In vie o his,base on e literature reiew danlysi, hruhe surey of10 poor houehold livedin5dmiistrative vlgesin cunty,whihis the ke county in pverty aleviatonnd eo
11、pmet. Ths apeanyz te wilgnesso ruapoor to purchaseovert letioinurace n county, identify the infuencing factors， an propo apprpriatecounrmeasures.hrouh istat naalysis, ca seethat hecos influncingthepr peopl o buypoerty aleviatio inuane are nludin： Th publiiy ofpoverty leviato iurance by ernnt departm
12、et an insurceistitutions,undestndin of isurance yporpeople,serc level ofnsranceinitutionsand govenent susds.At pet, tprobles exisingin thedevelopent o perty alleiion insurancein M county re inlthathe as ofpershent fo the por i sml， the operatingcost isuranc ompaies is ih,d the funds of govennt sbsdi
13、es are lng. eod,therare ral rss ad adrse selction roblemsn nrng for the oor husholds.Thr, The stof moniorig te cot is t h;Fourth， The adocacy n eies should mprove by iurace compans Acordin t thereults of mpreheie invesigationand anlys, thfollowigcountermeaurs andsugestionsae utfrwardin viewf the status u d caracteristic o povty aleiatio israc dveopentin Couny：irst， der the gvement-e moe，
