The Research On The Poverty Alleviation Effect Of Agricultural Insurance And Credit Guarantee Insurance And Their Differences

Reducing and eradicating poverty is a common challenge faced by developing countries all over the world.At the 19 th National Congress of the Communist Party of China,the Communist Party of China also made a solemn commitment to“resolutely win the battle against poverty ”.The work of poverty alleviation and development needs the joint efforts and coordinated operation of all sectors and industries.The insurance industry security attribute naturally coincides with targeted poverty alleviation,which not only provides basic security for the lives of the poor people,but also introduces a lot of funds for the industrial development of the poor areas.Since the Chinese government issued policy documents supporting insurance participation in poverty alleviation and development in 2011,local governments have actively taken insurance as an important force to boost poverty alleviation.With the introduction of a variety of insurance poverty alleviation models into China poverty alleviation and development work,it is a key point that we should pay attention to to to investigate the poverty alleviation effect of insurance poverty alleviation mechanism,so as to provide reference suggestions for the sustainable development and transformation of China poverty alleviation work.In addition,due to the differences in the initial resource endowment and economic conditions,as well as the changes of insurance in the specific implementation process of poverty alleviation in the region,there will be great differences in the effect of insurance poverty alleviation among regions,which will hinder the smooth promotion and sustainable development of poverty alleviation.Therefore,it is of great practical significance to investigate the regional differences in the effects of insurance on poverty alleviation,so as to make the region grasp the key points in the future poverty alleviation work and make a good fight for poverty alleviation.Then this paper uses the above research methods to study the poverty alleviation effects of agricultural insurance and credit guarantee insurance respectively according to the development of regional economy and insurance poverty alleviation,so as to analyze the differences of insurance poverty alleviation effects.This paper first introduces the effect of insurance on poverty alleviation and the background and significance of the research on regional differences,and makes a brief comment on the current situation of related research at home and abroad,on this basis,the research framework of the impact of insurance poverty alleviation mechanism on rural poverty level in China is established.Then,the paper summarizes the relevant concepts and theories of insurance poverty alleviation,introduces thepolicy development and comparative advantages of insurance poverty alleviation,and clarifies that the insurance poverty alleviation guarantee function and credit enhancement financing function are the main embodiment of the insurance poverty alleviation mechanism in China.Then according to the above theoretical and practical analysis,this paper uses the panel VAR model to study the dynamic effect of insurance poverty alleviation mechanism on agricultural production and farmers living standards in the three major plain regions of China from the two aspects of insurance poverty alleviation guarantee function and credit enhancement financing function,so as to study the poverty alleviation effect of insurance poverty alleviation mechanism.The results show that the agricultural insurance has a long-term(nearly 5years)and stable guarantee function for agricultural production in the insurance poverty alleviation mechanism,while the short-term(immediate and lagging)credit guarantee insurance has a greater role in promoting the farmers living standards.There are great differences between the guarantee effect of agricultural insurance and credit guarantee insurance in the mechanism of insurance poverty alleviation.The improvement of the poverty situation in the traditional agriculture based region mainly depends on the guarantee effect of agricultural insurance,while the credit guarantee function of regional credit guarantee insurance,which has better economic development and actively introduces new industries to poverty alleviation and development,has a great impact on the rural development And the improvement of farmers living standards.These conclusions provide a good reference value for the sustainable development and transformation of insurance poverty alleviation in the new era.