| Only by accurately identifying the targets of rural underinsurance assistance can we ensure that truly poor households receive underinsurance assistance and maximize the utility of underinsurance assistance resources.In this paper,structural interviews and content analysis were used to empirically study the target targeting of rural underinsurance in K-town,a farming and herding area in Ili Prefecture.Content analysis of the low-bailout file data found that the current rural low-bailout targets are mainly those groups whose heads of households or their family members suffer from disabilities,major diseases,chronic diseases or single parents,or are attending school,as well as some families who have suffered family changes in the short term and cannot sustain their living.This paper draws the following conclusions from the qualitative analysis of the interview data.First,there are omissions and mistakes in the targeting process of rural underinsurance.The problem of "omission" is mainly reflected in the failure of eligible households to apply in time,exclusion from the target,exclusion from administrative discretion,and exclusion from administrative negligence.The problem of "wrong insurance" is mainly reflected in the "relationship insurance" and "appeasement insurance" of the low income insurance staff,and the villagers’ fictitious materials and targeted downgrading to obtain low income insurance.Secondly,the problem of targeting deviations in rural low income insurance is mainly influenced by the target audience and the implementation body.In the problem of"missing insurance",the influence of the target is that the target is unfamiliar with the policy of low insurance and does not apply for low insurance due to face,while the influence of the implementation body is that the policy of low insurance is not publicized enough,the implementation staff is not professional enough,and the poor families cannot be found without visiting and investigating,resulting in "missing insurance".The influence of the main body of enforcement is the lack of publicity of the low income insurance policy,the lack of professionalism of the enforcement personnel,and the lack of visits and surveys to find poor families,resulting in "missing the insurance.In the case of "misinsurance",the influence of the target person is to hide income and property,and to obtain underinsurance improperly through canvassing,while the influence of the executing body is to make a neutral decision by the village cadres and to use the information system correctly,resulting in "misinsurance".Through the study of targeting deviations of rural underinsurance in K town of Ili Prefecture,we propose countermeasures for targeting rural underinsurance in Ili Prefecture.At the level of the system of low income insurance policy,we should establish a mechanism to discover the initiative of rural low income insurance,improve the withdrawal mechanism of rural low income insurance,improve the assessment mechanism of low income insurance,and improve the punishment system of low income insurance violation.At the level of the implementation body of the low-benefit policy,we will vigorously publicize the rural lowbenefit policy;improve the management ability of the implementation body;improve the operational ability of the low-benefit implementation personnel;establish a village supervision and deliberation platform,and reasonably use the internal resources of villages to improve the efficiency of low-benefit targeting. |
