金融学院知识库

贫困问题一直是阻碍我国全面健康发展的难题，消除贫困也始终是政府工作的主要内容。自2013年精准扶贫以来，我国的扶贫工作取得了飞跃式的进展，但由于我国的人口基数较大以及东西经济发展的严重失衡等基本国情决定了我国在贫困问题上依然面临着巨大的挑战。十三五提出在2020年要实现全部脱贫，建成小康社会，习总书记在相关的讲话中表明最艰巨的任务在农村。保险具有分散风险的功能，通过农业保险助理农村人口脱贫是打赢这场脱贫攻坚战的重要手段。甘肃省是我国贫困状况较为严重的农业大省，每年遭受的自然灾害损失高达GDP的4%-5%。其地形地貌的复杂性，土质沙化情况严重，土壤贫瘠，也在很大程度上制约了当地农业生产的发展，更进一步制约了当地城镇化水平的发展以及加剧了当地农户的贫困程度。全省86个县市区中，有近七成被列入贫困县。故本文选择研究甘肃省农险的扶贫效率为现实扶贫工作提供参考。

本文研究的主要内容及结论：首先对文章所涉及的农险以及贫困的相关概念的了解和界定，明确本文的研究对象，对反贫困理论、农业保险的福利经济理论以及金融扶贫的相关理论进行梳理。然后基于现实情况分析甘肃省贫困状况和农业保险发展状况，甘肃省农业保险的扶贫路径，以及甘肃省农险扶贫所取得的成效。通过所选定的指标，建立Dea-Tobit模型得出结论——甘肃省农业保险扶贫效率2013-2019年总体均值呈上升趋势，2019年整体效率处于稳步上升趋势，说明农险在扶贫领域的作用越来越大；关于环境变量对农险扶贫效率的影响，乡村人口占比和农业总产值占比与扶贫效率呈负相关，自然环境与扶贫效率呈正相关。最后，根据实证分析的结果，提出政府高度重视是推进农业保险发展的“不二法宝”；加大对贫困地区特色农产品保险的奖补力度；加大农业保险助推脱贫攻坚的推广；进一步推进村级农金室建设；全面加强农业保险队伍建设；扶贫资金不宜把农业保险保费补贴列入“负面清单”的建议。

Poverty has always been a problem hindering China's comprehensive and healthy development, and poverty eradication has always been the main content of the government's work. Since the targeted poverty alleviation in 2013, China's poverty alleviation work has made great progress. However, due to China's large population base and the serious imbalance of economic development between the East and the west, China is still facing great challenges in poverty. In the 13th five year plan, it is proposed to eliminate the poverty population in an all-round way and achieve the goal of well-off society in an all-round way by 2020. In response to this, general secretary Xi Jinping pointed out in his speech on China's poverty alleviation work that the most arduous and arduous task of building a well-off society in the countryside is in the countryside. Insurance has the function of dispersing risks. It is an important means to help the rural population out of poverty through agricultural insurance. Gansu Province is one of the most poverty-stricken agricultural provinces in China. Because of its special location, Gansu province suffers from natural disaster losses as high as 4% - 5% of GDP every year. The complexity of topography, serious soil desertification and poor soil restrict the development of local agricultural production to a great extent, further restrict the development of local urbanization level and aggravate the poverty of local farmers. Among the 86 counties and urban areas in the province, 58 counties were once listed as "three major areas" poverty-stricken counties in Liupan Mountain, Qinba Mountain and Tibetan areas, and 17 flower arranging poverty-stricken counties. Therefore, it is of great practical significance to study the efficiency of agricultural insurance poverty alleviation in Gansu Province.

The main content and conclusion of this paper: firstly, the paper defines the related concepts of agricultural insurance and poverty, clarifies the research object of this paper, and combs the anti-poverty theory, the welfare economy theory of agricultural insurance and the related theory of financial poverty alleviation. Then based on the actual situation, the paper analyzes the poverty situation and the development of agricultural insurance in Gansu Province, the poverty alleviation path of agricultural insurance in Gansu Province, and the achievements of agricultural insurance poverty alleviation in Gansu Province. Through the selected indicators, the DEA Tobit model is established to draw the conclusion that the overall average of poverty alleviation efficiency of agricultural insurance in Gansu Province is on the rise from 2013 to 2019, and the overall efficiency is on a steady rise in 2019, indicating that the role of agricultural insurance in poverty alleviation is becoming more and more important; as for the impact of environmental variables on poverty alleviation efficiency of agricultural insurance, the proportion of rural population and total agricultural output value is positively correlated with poverty alleviation efficiency The natural environment is positively correlated with poverty alleviation efficiency. Finally, according to the results of empirical analysis, it is proposed that the government's great attention is the "magic weapon" to promote the development of agricultural insurance; increase the reward and subsidy of characteristic agricultural products insurance in poor areas; increase the promotion of agricultural insurance to boost poverty alleviation; further promote the construction of village level agricultural finance room; comprehensively strengthen the construction of agricultural insurance team; poverty alleviation funds should not include agricultural insurance premium subsidies Suggestions to be included in the "negative list".