【摘要】 本研究以2022年上线的50个市级统筹的惠民保产品为研究对象，从协同治理理论出发，构建“协同主体—协同客体—协同环境”的协同系统框架，提取经济发展水平、居民保险意识、政府支持程度、互联网平台参与、人均保费支出水平和产品保障水平六个变量，通过定性比较分析方法对惠民保产品参保率水平的影响因素及组态路径进行实证分析，以期探寻惠民保实现高参保率和可持续发展的关键路径。分析发现，政府支持是惠民保高参保率的必要性条件。最终经过条件组态分析可以发现存在政府支持—产品驱动型、政府支持—环境驱动型和综合联动—协同系统型三条路径提升惠民保产品的参保率。该研究结论可为各地提升惠民保参保率提供对策建议。更多还原

【Abstract】 This study takes 50 municipal level Huimin Insurance products launched in 2022 as the study object. Based on the theory of collaborative governance, a collaborative system framework of “Collaborative subject-Collaborative object-Collaborative environment” is constructed, extracting six variables: economic development level, residents’ insurance awareness, government support level, internet platform participation, product price level, and product benefit level. Through the Qualitative Comparative Analysis(QCA) method, this paper empirically analyzes the influencing factors and configuration paths of Huimin Insurance participation rate, in order to explore the critical path for Huimin Insurance to achieve high participation rate and sustainable development. We find that government support is a necessary condition for a high participation rate. Finally, through conditional configuration analysis, it can be found that there are three paths: Government support-Product driven, Government support-Environment driven, and Comprehensive linkage-Collaborative system that can improve the participation rate of Huimin Insurance. Our findings can provide countermeasures and suggestions for improving the participation rate of Huimin Insurance.更多还原