The Research Of Financial Poverty Alleviation Model In Guizhou's "Insurance Boosts Poverty"

The establishment of a demonstration zone of “Insurance for Poverty Alleviation”in Guizhou,which is the country's first time to use insurance to alleviate poverty in a province.This paper conducts on-the-spot investigations of the four precision demonstration counties in Guizhou,introduces the operating conditions of counties,and analyzes the implementation measures.The main problems found in the counties are: poor households in the demonstration counties have a weak sense of active insurance,underwriting companies change frequently,the insurance claim chain is absent,linkage mechanism is not perfect,the depth and scope of poverty alleviation is not enough,the new financial situation is not paid enough attention,the mechanism of insurance poverty alleviation mechanism is not perfect,and lack of funds for implementation,Local financial resources are insufficient,and the insurance company's grassroots service network needs further improvement.Corresponding solutions are also provided: strengthen the promotion of insurance business,raise the awareness of insurance for farmers,improve the normal operation of the poverty alleviation mechanism,improve the accuracy of poverty alleviation,explore mechanisms for supporting poverty alleviation,increase funding,and improve the level of grassroots network services.At the same time,the county's financial poverty alleviation model was identified and evaluated.The "employment and entrepreneurship poverty alleviation + product benefits and poverty relief" model,the "government + company + cooperative + poverty households" model,the "insurance+ agriculture financing" industrial poverty alleviation model,derived from the "political security","corporate financing","Farmer financing" and other forms,"government policy support + insurance fund financing + insurance risk protection" and other forms.Summarize the similarities and differences between various financial poverty alleviation modes and find that the starting point of each county,the way funds are generated,the problems that they face,and the effectiveness they have,the same direction of service,derived forms,and methods are indeed similar.Finally,summarize the experience of poverty alleviation.The purpose is to seek a more effective model of poverty relief in financial poverty alleviation,and provide a reliable model for poverty alleviation in Guizhou and even in poverty-stricken areas across the country as soon as possible.