欠发达地区灾害风险对农户收入脆弱性的影响研究--兼论普惠保险扶贫长效机制的构建  

The Impact of Disaster Risk on Farmers’Income Vulnerability in Underdeveloped Areas:The Construction of A Long-term Effective Mechanism of Inclusive Insurance for Poverty Alleviation

作　　者：孙正成[1,2] 张雪娇 何彭辉 SUN Zhengcheng;ZHANG Xuejiao;HE Penghui(School of Insurance,Southwestern University of Finance and Economics,Chengdu 611130,China;School of Finance,Yunnan University of Finance and Economic,Kunming 650221,China;School of Economics,Yunnan University,Kunming 650500,China)

机构地区：[1]西南财经大学保险学院,四川成都611130 [2]云南财经大学金融学院,云南昆明650221 [3]云南大学经济学院,云南昆明650500

出　　处：《云南农业大学学报（社会科学版）》2022年第2期135-144,共10页Journal of Yunnan Agricultural University(Social Science)

基　　金：国家自然科学基金项目“健康中国视域下商业健康保险税收优惠政策的效应测度及动态调整研究”(71964035);云南省哲学社会科学规划项目“云南灾害保险精准扶贫的路径与对策研究”(QN2008006);2021年四川省博士后科研特别资助项目“成渝双城经济圈保险业集聚与产业结构升级研究”;2021年度西南财经大学金融科技国际联合实验室资助项目“ESG影响保险可持续路径及效应研究”;第70批博士后面上项目“极端气候频现背景中国保险可持续发展研究——基于ESG整合性框架视角”(2021M702702)。

摘　　要：在精准扶贫向乡村振兴过渡的当下,如何防止因灾、因病返贫更值得关注,收入和家庭生计可持续是脱贫机制长效的关键。本文构建了“外来风险—收入脆弱性—贫困长效治理”的分析框架,基于云南省镇雄县四个乡镇的实地调研数据,在控制其他因素的条件下,分析外来风险对收入脆弱性的影响。结果表明:外来风险会显著增加农户收入脆弱性,冲击家庭生计资本的可持续性,这种影响和冲击呈现出明显的收入禀赋效应、阈值效应和异质性;农户面对风险的盲目自信、过度依赖成为低收入家庭收入高脆弱性另一重要原因;家庭收入约束和缺乏主观能动性共同导致农户普遍不借助市场工具来化解冲击。因此,探索培育政府和市场共同作用的普惠保险扶贫长效机制对由于外来风险导致的贫困长效治理有重要意义。At the moment when precision poverty alleviation is transitioning to rural revitalization,how to prevent the rural households return to poverty due to disasters and illnesses is more worthy of attention,in which sustainable income and livelihoods for households plays an important role.This paper constructed an analysis framework o“f external risks—income vulnerability—long-term poverty governance”and analyzed the impact of external risks on income vulnerability based on field survey data of four towns in Zhenxiong County of Yunnan Province,under the condition of fully controlling other influencing factors.The results show that external risks will significantly increase the income vulnerability of rural households and impact the sustainability of family livelihood capital.At the same time,this impact shows obvious income endowment effect,threshold effect and heterogeneity.In addition,Households’blind self-confidence and excessive dependence on the government have become another important reason for the high vulnerability of low-income families.As a result,households generally do not use market tools to defuse the impact due to income constraints and lack of subjective initiative.So,exploring the long-term poverty alleviation mechanism of inclusive insur-ance that cultivates the joint action of the government and the market is of great significance to the long-term poverty governance caused by external risks.

关 键 词：外来风险 脆弱性 可持续生计 扶贫长效机制 普惠保险 

分 类 号：F840.66[经济管理—保险]