Research On The Poverty Reduction Effect Of Agricultural Insurance Under The Background Of Relative Poverty Governance

Foot cold sad heart,people cold sad country.Elimination of poverty is the dream of mankind since ancient times.Since the reform and opening up,agricultural insurance,as an important starting point and effective means of rural poverty governance,has made outstanding contributions to the decisive victory of China ’ s poverty alleviation strategy.However,it should also be noted that China ’ s agricultural insurance still has many problems in the process of participating in poverty reduction,such as imbalance between supply and demand,alienation of policy practice,and lack of institutional motivation.These problems have become an important bottleneck restricting the improvement of poverty reduction effect of agricultural insurance.At present,the poverty situation has undergone major changes,and solving the relative poverty problem has gradually become the main task of poverty governance in China.In the context of the existing problems of agricultural insurance participation in poverty reduction,in the face of more complex and hidden problems of relative poverty governance,agricultural insurance must improve the effect of participation in poverty reduction and effectively solve the risk of poverty return to poverty faced by relatively poor groups with high-quality insurance for poverty alleviation.In the new poverty stage,it is more necessary for us to theoretically test the poverty reduction effect of agricultural insurance from multiple dimensions in order to explore effective reform paths for agricultural insurance to participate in policy design and poverty alleviation practice.However,it is regrettable that the current academic research on the poverty reduction effect of agricultural insurance mostly focuses on the macro field,and few results examine the poverty reduction effect of agricultural insurance from the micro family level.Therefore,this paper studies the poverty reduction effect of agricultural insurance from a micro perspective under the background of relative poverty governance,and analyzes the influencing factors that restrict the improvement of poverty reduction effect,which has certain theoretical and practical significance for improving the poverty reduction effect of agricultural insurance in China.This paper takes micro farmer households as the research object and adopts the survey data of the 2018 China Family Panel Studies(CFPS)of Peking University.By selecting the problem types that are consistent with the theme of this paper in the questionnaire,this paper constructs the index of relative poverty as the explained variable,and takes the development level of agricultural insurance in 2018 measured by the China Insurance Yearbook and the statistical database of China Economic Network as the core explanatory variables.In order to fully consider the influence of other factors on the explained variables,this paper also adds the level of urbanization,and the expenditure on human etiquette,medical expenditure in the past 12 months,intelligence level,family population size and age as the control variables.The binary Logit model is used to empirically test the effect and characteristics of agricultural insurance on reducing relative poverty.The empirical results show that the direct effect of agricultural insurance on relative poverty alleviation is negative,but it is not obvious,indicating that agricultural insurance cannot directly promote poverty alleviation.Through the exploration of transmission mechanism,it is found that agricultural insurance can indirectly achieve the goal of poverty alleviation by promoting family income growth.Other control variables,whether reading,intellectual level,age,family size indicators of relative poverty coefficient significantly negative,can significantly alleviate relative poverty;health status and medical expenditure indicators in the past December have no positive effect on relative poverty alleviation,while other control variables have no significant effect on relative poverty alleviation.Finally,combined with the actual situation of agricultural insurance and poverty reduction,relevant policies and suggestions are put forward to improve the optimization strategy of poverty reduction effect of agricultural insurance.