家庭资产、保险制度与扶贫开发  

On Family Assets,Insurance system and Poverty Alleviation

作　　者：杨馥 周晶[1] 

机构地区：[1]西安财经学院经济学院,陕西西安710100

出　　处：《保险职业学院学报》2017年第5期26-30,共5页Journal of Insurance Professional College

基　　金：陕西省社会科学基金项目"陕西保险支持扶贫开发路径研究"(2015D013);陕西省教育厅专项科研计划项目"陕西保险精准扶贫的机制创新与实现路径"(17JK0285);全国统计科学研究计划项目(2015LY42);陕西省保险学会研究课题"保险业扶贫机制创新研究--基于保险精准扶贫的角度"

摘　　要：本文采用基于资产的方法,运用随机动态规划技术,建立考虑风险和贫困陷阱的动态家庭资产模型,通过分析投保前后家庭行为决策变化,探讨其是否会选择加入保险计划,以及商业保险如何影响这些家庭的风险处置策略,进而研究保险在扶贫开发中的制度效应。研究结果显示,保险是一种防止脆弱性的家庭陷入贫困陷阱的有效制度安排;保险价格和政府补贴对脆弱性家庭的脱贫具有显著影响;通过加大财政补贴、探索多元化融资方式,以及推进可持续性的小额保险制度,可促使家庭选择效用最大化的风险处置策略,帮助其实现脱贫致富。An asset-based approach and the stochastic dynamic programming technology is used to establish a dynamic family assets model considering risk and poverty traps.The choice of families to join in the commercial insurance plan,as well as how the commercial insurance will affect their risk management strategy is analyzed based on contrast on the change of family behavior decision before and after insurance.Therefore,whether institutional effect of insurance in poverty alleviation and development exists is tested.The results show that：1）insurance is an effective institutional arrangement to prevent vulnerable families from falling into poverty traps;2）insurance prices and government subsidies have a significant impact on poverty alleviation of vulnerable families;3）by increasing financial subsidies,exploring diversified financing options,as well as the persistence of micro-insurance system,families are encouraged to choose to the maximized effective risk disposal strategies to help them alleviate poverty.

关 键 词：家庭资产 保险制度 贫困陷阱 扶贫开发 

分 类 号：F840.2[经济管理—保险]