保险配置能够推进共同富裕吗?--基于1609份农户调研数据的实证分析  

Can Insurance Allocation Promote Common Prosperity——Empirical Analysis Based on 1609 Survey Data of Farmers

作　　者：刘畅 刘新民 于文成 Liu Chang;Liu Xinmin;Yu Wencheng(School of Economics and Management,Qingdao Agriculture University,Qingdao 266109,Shandong,China)

机构地区：[1]青岛农业大学经济管理学院,山东青岛266109

出　　处：《金融发展研究》2022年第10期3-9,共7页Journal Of Financial Development Research

基　　金：全国统计科学研究项目“脱贫地区农村家庭规模性返贫风险概率测度与防治政策评估”(2022LY088);山东省软科学重点项目“风险投资对山东省头部企业创新的作用机制研究”(2021RZB03011);山东省社会科学规划研究项目“山东省农业农村现代化指标体系构建研究”(21CKRJ01)。

摘　　要：本文从富裕程度和共享程度两个维度构建农户共同富裕评价指标体系并计算发展指数,基于全国24个省(自治区、直辖市)736个县(市、区)的问卷调研数据,实证研究农户保险配置对共同富裕的影响。研究发现:社会保障型保险对农户共同富裕指数的提升有积极作用;商业发展型保险不利于农户共同富裕指数的提升;两类保险均对共同富裕下设的富裕程度维度有正向影响,对共享程度维度则呈负向影响。本文从保险配置的新视角探究如何推动农户共同富裕,为推动实现共同富裕提供了一种新思路。This paper constructs an evaluation index system and calculates the development index of common prosperity of farmers in two dimensions:affluence degree and sharing degree.Based on questionnaire research data from 736 counties(cities and districts)in 24 provinces(autonomous regions and municipalities directly under the central government),we empirically study the impact of farmers'insurance allocation on common prosperity.The study found that:social security-type insurance has a positive effect on the improvement of the common prosperity index of farm households;commercial development-type insurance is not conducive to the improvement of the common prosperity index of farm households;both types of insurance have a positive effect on the affluence dimension under common wealth and a negative effect on the sharing dimension.This paper explores how to promote the common prosperity of farmers from a new perspective of insurance allocation,and provides a new way of thinking to promote the realization of common prosperity.

关 键 词：农户 社会保障型保险 商业发展型保险 共同富裕 

分 类 号：F840.6[经济管理—保险]