本文關(guān)鍵詞：保險(xiǎn)助力精準(zhǔn)扶貧:作用機(jī)理、功能價(jià)值與對策建議　出處：《南方金融》2017年08期 　論文類型：期刊論文

  更多相關(guān)文章： 脫貧攻堅(jiān) 精準(zhǔn)扶貧 保險(xiǎn)扶貧 風(fēng)險(xiǎn)保障 融資增信

【摘要】：保險(xiǎn)助力精準(zhǔn)扶貧對整個(gè)國家、社會(huì)以及保險(xiǎn)業(yè)自身都具有重要意義。保險(xiǎn)扶危濟(jì)困、互助共濟(jì)的理念與扶貧開發(fā)緊密契合,保險(xiǎn)能夠有效防止因?yàn)?zāi)、因病致貧和返貧,保險(xiǎn)是擴(kuò)大扶貧資源供給的重要途徑。保險(xiǎn)助力精準(zhǔn)扶貧具有機(jī)制、服務(wù)、資金等方面的優(yōu)勢,其保障功能有助于提升貧困地區(qū)風(fēng)險(xiǎn)管控能力,利益調(diào)節(jié)功能有助于促進(jìn)貧困治理方式創(chuàng)新,融資功能有助于向貧困地區(qū)"輸血"并促進(jìn)"造血",杠桿功能有助于增強(qiáng)扶貧資金的使用效果。建議采取有效措施引導(dǎo)保險(xiǎn)資金參與扶貧開發(fā),鼓勵(lì)保險(xiǎn)公司開發(fā)針對貧困地區(qū)需求的特色保險(xiǎn)產(chǎn)品,加大對扶貧保險(xiǎn)的財(cái)政支持力度,大力發(fā)展貧困地區(qū)小額信貸保證保險(xiǎn)、為貧困人口提供融資增信,在全國范圍內(nèi)創(chuàng)建若干"保險(xiǎn)業(yè)精準(zhǔn)扶貧示范縣"。
[Abstract]:Insurance help precise poverty for the whole country, society and insurance industry are of great significance. In the concept of mutual aid insurance, poverty alleviation and development closely fit, the insurance can effectively prevent tolls due to illness, poverty and poverty alleviation, insurance is an important way to expand the resource supply. Power has the precise poverty insurance mechanism, services, capital and other aspects the advantage of the security function helps to enhance the risk management ability of the poverty-stricken area, the interest adjustment function helps to promote the innovation of poor governance, financing function to help poverty-stricken areas to promote the "blood transfusion" and "blood", lever function helps to enhance the poverty alleviation fund use effect. Effective measures should be adopted to guide the insurance funds participate in poverty alleviation and development, to encourage insurance companies to develop in poor areas of demand characteristics of insurance products, increase financial support for poverty alleviation and insurance, vigorously Development in poor areas of microfinance guarantee insurance, credit to provide financing for the poor, "the insurance industry to create a number of accurate poverty alleviation demonstration counties in the country.

【作者單位】： 廣東技術(shù)師范學(xué)院;
【基金】：廣東金融學(xué)會(huì)2016-2017年度重大決策咨詢研究課題《保險(xiǎn)業(yè)支持廣東精準(zhǔn)扶貧研究》(項(xiàng)目編號(hào):GDJRXH201615) 廣東省普通高校省級(jí)重大研究課題《廣東民族地區(qū)社會(huì)治理體制機(jī)制研究》(項(xiàng)目編號(hào):2016WZDXM030)的階段性成果
【分類號(hào)】：F323.8;F842.6
【正文快照】： 精準(zhǔn)扶貧是減貧新形勢下我國扶貧開發(fā)的基本方略,是對以往減貧理論的傳承和創(chuàng)新,開辟了我國農(nóng)村貧困治理的新路徑。實(shí)現(xiàn)我國“2020年完成脫貧攻堅(jiān),確保農(nóng)村貧困人口全部脫貧”的戰(zhàn)略目標(biāo),需要社會(huì)各界協(xié)同合作、共同努力。金融作為經(jīng)濟(jì)發(fā)展的血液,是扶貧開發(fā)、脫貧減貧的重要，

本文編號(hào)：1433782