摘要
自我国将“发展普惠金融”作为国家战略以来,普惠金融的发展取得了巨大进步。保险业作为金融业的重要组成部分,近几年随着普惠金融的发展逐渐走入大众视野。如何更好地发挥普惠保险在民生保障中的作用,一直是社会各界共同关注的问题。根据普惠金融对重点服务对象的划分,综合考虑收入、年龄、抗风险能力等因素,将普惠保险重点服务的弱势群体划分为低收入人群、老年人、小微企业、农业生产者和贫困地区贫困人群等五大类,普惠保险为保障五大类弱势群体的基本民生需求进行了艰难的实践探索。然而当前普惠保险仍存在政府定位不清晰、覆盖率不高、发展较为粗放和民众参保积极性不高等问题。需通过灵活把控政府参与力度、拓宽和挖掘保障范围和深度、推进数据共享、运用科技手段等渠道进行优化。
Since China has taken the development of inclusive finance as a national strategy,it has developed rapidly.As an important part of the financial industry,the insurance industry has been gradually known by people with the development of inclusive finance in recent years.How to better play the role of inclusive insurance in protecting people's livelihood has always been a common concern of the society.Based on the key service targets of inclusive finance and factors such as income,age,anti-risk ability,the vulnerable groups served by inclusive insurance are divided into five categories:the low-income people,the elderly,small and micro enterprises,agricultural producers and the poor.This paper focused on the practical exploration of inclusive insurance to protect people's basic livelihood of these five vulnerable groups.Some problems are found like unclear government positioning,low coverage rate,extensive development and low public participation enthusiasm.It needs to be optimized through flexible control of government participation,broadening and mining the scope and depth of security,promoting data sharing,and using scientific and technological means.
作者
王静仪
王国军
Wang Jingyi;Wang Guojun(School of Insurance,University of International Business and Economics,Beijing 100087,China)
出处
《台州学院学报》
2021年第4期22-29,共8页
Journal of Taizhou University
关键词
普惠保险
民生保障
实践探索
发展建议
inclusive insurance
people’s livelihood protection
practical exploration
development suggestion
