基于社会保障和商业保险视角的贫困农村家庭稳定脱贫研究

以中国家庭追踪调查(CFPS)数据为样本,运用PSM-DID模型检验“社会保障+商业保险”政策体系对农村脱贫家庭的家庭人均纯收入情况进行研究。研究结果表明,“社会保障+商业保险”政策体系可以显著提高农村脱贫家庭的人均纯收入。但我国当前仍然有部分地区家庭因为生病、灾害等情况的发生出现返贫的现象,其中主要原因在于这些农村脱贫家庭对社会保障的过度依赖,而社会保障的保障程度较低,不足以较好抵御风险。因此,激发农村脱贫家庭对商业保险购买的积极性可以很好地保障其日后家庭资产的积累。实现社会保障全覆盖,加强商业保险宣传力度,丰富保险品种,构建多层次保险体系对抑制农村脱贫家庭返贫现象的发生至关重要。

STABLE DE-POVERTY OF RURAL POOR HOUSEHOLDS VIEWING FROM SOCIAL SECURING AND COMMERCIAL INSURANCE

This paper, based on China Family Panel Studies (CFPS), uses PSM-DID model to check the impacts of social security & commercial insurance on incomes of rural poor families and concludes that such a policy can outstandingly raise the income of rural poor families. Some Chinese rural families which heavily rely on social security of low security degree currently become poor or return to poverty due to illness or disasters, not enough toresist risks. Encouragement of rural poor families to purchase commercial insurances can guarantee accumulation of family assets. It is critical to realize the overall coverage of social security, to intensity propaganda of commercial insurance and to diversity insurance products, and to establish multiple-hierarchy insuring system for restraining returning to poverty of de-poverty families.