普惠保险赋能收入分配研究  

Research on the Empowerment of Income Distribution by Inclusive Insurance

作　　者：唐金成[1] 陈明裕 TANG Jincheng;CHEN Mingyu

机构地区：[1]广西大学经济学院,广西南宁530004

出　　处：《保险职业学院学报》2024年第6期5-10,共6页Journal of Insurance Professional College

摘　　要：普惠保险的设立初衷是参与国民收入分配的全过程,通过促进农村经济发展来缩小城乡收入差距、助力落后地区协调发展,进而缩小地区差距、持续促进“扩中提低”,充分发挥其在构建和完善全社会的分配机制和保障机制中的赋能作用。然而就普惠保险参与收入分配的现状来看,仍存在客户需求激发难度大、保障水平有待提高、政府支持力度不足、市场监管不到位等问题。本文以存在的问题为导向,提出以下政策建议:以科技手段引领普惠保险宣传,激发居民普惠保险需求;明确普惠保险产品定位并完善设计开发流程,充分发挥其作为“补低”手段的再分配功能;政府应加大对普惠保险的财税支持力度;建立健全普惠保险市场监管机制。The original intention of the establishment of inclusive insurance is to participate in the whole process of national income distribution,narrow the urban-rural income gap by promoting rural economic development,narrow the regional gap by helping the coordinated development of backward areas,and continuously promote the“low and expansion”,and give full play to the enabling role of constructing and improving the distribution mechanism and security mechanism of the whole society.However,in terms of the current situation of the participation of inclusive insurance in income distribution,there are still some problems,such as difficult to stimulate customer demand,insufficient government support,and inadequate market supervision.Guided by the existing problems,this paper puts forward the following policy suggestions:to lead the promotion of inclusive insurance with science and technology education,and stimulate the demand of residents for inclusive insurance;clarify the positioning of the insurance products,improve the design and development process,and give full play to its“replenishment”redistribution function;the government should increase fiscal and taxation support for the inclusive insurance;establish and improve the inclusive insurance market supervision mechanism.

关 键 词：普惠保险 收入分配 保险保障 保险科技 财税政策 

分 类 号：F842.6[经济管理—保险]