金融学院知识库

摘  要

    在整个社会发展进程中，无论经济发展达到什么阶段，民生始终是贯穿社会建设全程的中心话题，而社会所具有的动态属性使得其具有极强复杂性。随着人类数量的积累，其活动范围不断扩大的同时面临的各项风险也在不断积聚，与人类行为有关的风险超过自然风险成为现代社会风险的主要内容，传统管理方式的局限性，使其难以满足现代社会风险管理的需要。面对与人民生活息息相关的各项民生风险，政府有着不可推卸的责任，在这项任务愈发繁重的背景下，寻找政府得力帮手共同管理民生风险显得尤为紧要。在保险业逐步发展成熟的过程中，保险的管理功能逐渐受到学界以及业界的青睐，保险基本逻辑中所包含的风险管理思想为其肩负起社会民生体系建设重任打下了良好的基础，并逐渐成为创新政府管理各项民生风险的有效金融工具。

    本文以保险为研究对象，从厘清民生风险中的政府责任出发，探索民生保险参与政府民生风险管理，助力政府建设公共服务有效供给体制进而实现社会治理现代化的路径。文章在第1、2章明确研究依据并分析保险助力政府社会风险管理的背景和意义，梳理有关概念与理论；第3章从政府公共服务供给安排模式和原则等角度分析，厘清政府责任边界；第4章通过分析民生风险的形成、对管理主体责任进行划分，提出保险参与民生风险管理的切入点及优势；第5章选取兰州市计划生育失独家庭综合保险、自然灾害综合保险、“和谐金城”民生综合保障保险三个典型民生保险案例，分析各个保险项目的提出背景、实施必要性和意义以及保险运作现状，根据赔付情况来分析保险项目财政资金运用效率及实施效果；第6章为民生保险助推政府管理民生风险，实现有效社会治理提出几条建议。通过从顶层设计入手，将保险化为帮助政府管理民生风险，扩大财政资金溢出效应，提升民生工程效率的重要手段和措施。

Abstract

    In the process of the whole social development and economic development at any stage, the livelihood of the people is always running through the center of the social construction of the whole subject, and the dynamic properties of society makes it a highly complexity, with the accumulation of human population, human activities at the same time expanding the scope of the various risks are accumulating, risk more than natural risk associated with human behavior as the main content of the modern social risks, the limitations of traditional management way, make it difficult to meet the needs of modern social risk management.In the face of various livelihood risks closely related to people's lives, the government has an unshirkable responsibility. Under the background of this increasingly heavy task, it is particularly urgent to find the government's capable help to jointly manage livelihood risks.In the process of insurance develops gradually mature, the management of the insurance function gets gradually the favour of academia and industry, insurance basic logic contained in the risk management thought to shoulder social responsibility system of the people's livelihood construction laid a good foundation, and gradually become the government management innovation the livelihood of the people risk effective financial instruments.

    Taking insurance as the research object, this paper, starting from clarifying the government's responsibility in livelihood risks, explores the path for livelihood insurance to participate in the government's livelihood risk management and help the government build an effective public service supply system to realize the modernization of social governance.

In Chapter 1 and Chapter 2, the paper clarifies the research basis, analyzes the background and significance of insurance-assisted government social risk management, and sorts out relevant concepts and theories.Chapter 3 clarifies the boundary of government responsibility by analyzing the modes and principles of government public service supply arrangement.Chapter 4 puts forward the entry point and advantages of insurance participation in livelihood risk management by analyzing the formation of livelihood risk and dividing the responsibilities of management subjects.Chapter 5 lost family alone lanzhou family planning comprehensive insurance, comprehensive insurance natural disasters, "harmonious jincheng" comprehensive security of the people's livelihood insurance three typical livelihood insurance cases, analyze the insurance project background, necessity and significance of implementation and the insurance operation status, project financial analysis in terms of the compensation insurance fund use efficiency and effect;Chapter 6 puts forward several suggestions to help the government manage livelihood risks and realize effective social governance.Starting from the top-level design, insurance will be turned into an important means and measure to help the government manage the livelihood risks, expand the spillover effect of fiscal funds and improve the efficiency of livelihood projects.