【摘要】 商业保险支持低收入农户增收有着天然的体制机制优势。从丽水市保险帮扶"组合拳"的成功实践可以发现,保险的杠杆、保障、利益再分配和融资功能可提高财政资金产出效率、实现风险转移、平衡收入分配格局和改善金融生态。但是,商业保险参与精准扶贫仍然面临着现实困境,如保险的逐利性和扶贫公益性之间的矛盾以及保险市场的供需不平衡等。可从创新农业保险扶贫的精准滴灌模式、创新低收入农户托底保障的缺口补位模式、创新精准扶贫的活血造血模式3个方面实现商业保险助推精准扶贫。更多还原

【Abstract】 Commercial insurance has natural institutional advantages to support low-income farmers to increase income. Insurance leverage, security, benefit redistribution and financing functions can improve the efficiency of financial capital output, achieve risk transfer, balance income distribution pattern and improve the financial ecology. The paper expounds the benefits of insurance "combination boxing", and points out that due to the contradictions between insurance profitability and public welfareof poverty alleviation, and between supply and demand in insurance market, there is practical difficulties of commercial insurance participating in precise poverty alleviation. Finally, the paper suggests that we should innovate the precision drip irrigation model of agricultural insurance poverty alleviation, innovate the deficit filling mode of low-income farmer’s support, and innovate the blood circulation model of low-income farmers’ funds and ability to fulfill commercial insurance in boosting precise poverty alleviation.更多还原