| Poverty is a worldwide problem.It is not only a product of the economic system,but also closely related to the political economy of a country.As the blood of the economy,finance is an important means of poverty alleviation.By combining with the targeted poverty alleviation strategy,financial institutions will transfer financial resources to the demand side of funds,and promote the employment of poor households through the development of enterprises to achieve poverty eradication.At the same time,insurance,as an integral part of finance,also joined the battle and formed various poverty alleviation models.The "Political-Financing-Insurance" model is one of them.The "Political-Financing-Insurance" achieves poverty alleviation and prosperity by supporting new agricultural management entities to promote industrial poverty alleviation.The study of this model is of great reference significance for insurance companies to participate in industrial poverty alleviation.This paper takes Le'an County of Jiangxi Province as the research object for research and analysis.During the field investigation,the director of the National Development and Reform Commission exchanged the current economic development level and weakness of the Lean County;from the Director of the Poverty Alleviation Office,he learned in detail the current poverty situation and the current situation of Lean County Poverty alleviation;from Director Li of the Financial Office,I learned in detail the basic situation,operating mechanism and current implementation status of the "Political-Financing-Insurance" project.The above research experience has laid a case foundation for the writing of this paper,combined with real data such as local poverty,economic development,and actual project operation collected during the survey,and then based on the theory of financial deepening,the theory of rural finance,the theory of credit risk and the theory of Inclusive Finance,the research of this paper is carried out in detail.Through the analysis,we know that the major rural business entities are faced with the problem of financing difficult and expensive,and the preferential policy of "no mortgage,no guarantee" of the "Political-FinancingInsurance" project has effectively solved the problem,injected power into the strong rise of rural enterprises,effectively solved the planting concerns of farmers and the employment problems of the unemployed poor,and made a huge contribution to the local poverty alleviation great contribution.However,while the "Political-FinancingInsurance" model solves the financing problem of the new agricultural management subject in rural areas,there may be some problems and risks,such as the defectofof of the risk-sharing mechanism of financial poverty alleviation,the problem of informationasymmetry in the credit market,the lack of benefit linkage mechanism among enterprise farmers,the lack of farmers' own quality,etc.In response to these problems,this paper also gives targeted countermeasures and suggestions in Chapter 6: First,we should actively improve the risk-sharing mechanism;second,for the problem of asymmetric information in the credit market,this paper proposes multiple countermeasures;third Actively improve the benefit-sharing mechanism between enterprises and farmers;Fourth,strengthen the promotion of financial education in rural areas to help farmers better accept and understand financial policies.In general,although the implementation of "Political-Financing-Insurance" in Le'an County has been difficult,its achievements are obvious to all,and it has effectively supported several leading agricultural enterprises and professional cooperatives.It has certain reference significance for other regions and is worthy of widespread promotion. |
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