我国普惠保险的内涵、发展模式及其增收效应研究——基于“长尾理论”与农户调查数据分析  

Analysis of the Connotation,Development Model,and Effects of Inclusive Insurance in China--Based on“Long Tail Theory”and Farmer Survey Data

作　　者：武建辉 李蕊 傅巧灵[3] WU Jian-hui;LI Rui;FU Qiao-ling(School of Economics and Management,Beijing Forestry University;School of Statistics,Capital University of Economics and Business;School of Management,Beijing Union University)

机构地区：[1]北京林业大学经济管理学院,北京100083 [2]首都经济贸易大学统计学院,北京100070 [3]北京联合大学管理学院,北京100101

出　　处：《当代金融研究》2024年第11期18-35,共18页Journal of Contemporary Financial Research

基　　金：国家社会科学基金项目“城乡融合背景下支持农民转型发展的普惠金融对策”(20BJY155)。

摘　　要：普惠保险提高了“长尾”群体抵御风险的能力,发展普惠保险是完善我国保险业服务体系,缓解金融排斥,实现社会公平的重要举措。在数字经济背景下,充分利用数字技术为“长尾”人群提供低门槛、可持续、高效便捷的、全方位的保险服务是普惠保险未来发展的重点。基于现有研究,对普惠保险的概念、内涵及特点进行界定,梳理我国普惠保险的发展脉络与模式,总结其发展特点。同时基于对四川、江西、山东以及辽宁四省1 618户农户的调查数据分析发现,普惠保险对农户家庭收入有正向影响且有着“相对益贫式”的增收特点,还会通过影响家庭劳动力人数、劳动时间、贷款获取和劳动生产率提高家庭收入,进一步分析发现,普惠保险对能够使用互联网的农户的增收效应更强。因此,应重视数字基础设施的完善建设、提供便捷的保险供给产品、加大普惠保险宣传力度、完善要素流动市场。Inclusive insurance has improved the ability of low-income groups to resist risks.Developing inclusive insurance is an important measure to improve China s insurance industry service system,alleviate financial exclusion,and achieve social equity.In the context of the digital economy,fully utilizing digital technology to provide low threshold,sustainable,efficient and convenient,and comprehensive insurance services for the“long tail”population is the focus of the future development of inclusive insurance.Based on existing research,this article defines the concept,connotation,and characteristics of inclusive insurance,sorts out the development context and model of inclusive insurance in China,and summarizes its development characteristics.Based on data analysis of 1618 households in Hubei,Jiangxi,Sichuan,and Shandong provinces,it was found that inclusive insurance has a positive impact on household income and has a“relative poverty oriented”income increase characteristic.It also improves agricultural or non agricultural income by affecting household labor force,labor hours,loan acquisition,and labor productivity.From the perspective of heterogeneity analysis,Inclusive insurance has a stronger income increase effect on farmers who can use the internet.Therefore,attention should be paid to the improvement and construction of digital infrastructure,provide convenient insurance supply products,intensify the promotion of inclusive insurance;improve the market for factor flow.

关 键 词：普惠保险 发展模式 长尾理论 农户增收 

分 类 号：F842.66[经济管理—保险]