Research On The Impact Of Agricultural Insurance Development On The Urban-Rural Income Gap In Yunnan

The widening income gap between urban and rural areas is not conducive to the realization of the goal of common prosperity,nor to the sustainable development of human society.In the process of rapid urbanization,the unbalanced growth of urban-rural income in China is not conducive to the high-quality development of the economy,nor is it conducive to social harmony and stability.In recent years,China’s agricultural insurance coverage has continued to expand and service quality has further improved,playing a positive role in ensuring food security and serving rural revitalization.Yunnan Province is located on the southwestern border of the country and is an important channel connecting Southeast Asia and South Asia in China.The development of agricultural insurance is not only conducive to improving the income gap in Yunnan Province,but also has important significance for economic growth and high-quality development.This paper first combed the relevant literature,combined with the relevant theoretical basis and the current situation of Yunnan Province,selected the panel data of 16 prefectures and cities in Yunnan Province from 2011 to 2020,and used the fixed panel model and threshold model to empirically analyze the relationship between agricultural insurance and urban-rural income gap.The conclusions are as follows:(1)The increase of agricultural insurance investment and the improvement of compensation level are conducive to slowing down the increase of urban-rural income gap in Yunnan.(2)The regression results between agricultural insurance premium investment and agricultural insurance compensation level lagging behind for one period and the urban-rural income gap are still significant.(3)The null hypothesis that all explanatory variables are exogenous cannot be rejected.(4)There is a significant spatial difference in the impact of agricultural insurance on the income gap between urban and rural areas in Yunnan,with the central region having the most significant impact,followed by the eastern region,and the western region having a relatively weaker impact.(5)The impact of agricultural insurance premium investment on the urban-rural income gap in Yunnan Province has a single threshold effect,and the inhibitory effect on the urban-rural income gap is higher when the agricultural insurance premium investment is below the critical value.Given the above analysis,the following suggestions are proposed: firstly,strengthen the top-level design of agricultural insurance and strengthen the construction of digital infrastructure for agricultural insurance.Secondly,strengthen the qualification management of underwriting institutions and effectively promote the development of agricultural reinsurance business.Thirdly,improve the construction of agricultural insurance product system and strengthen agricultural insurance education for rural residents.Fourthly,actively leverage the synergy between agricultural insurance and other policies to promote high-quality development of agricultural insurance.