Possibility And Transmission Mechanism Of Agricultural Insurance Poverty Alleviation

China's agricultural insurance policy financial subsidies have been implemented for more than ten years.During this period,the premium income and compensation expenditure of agricultural insurance increased rapidly.It can be said that agricultural insurance has stepped out of the embryonic and pilot stage in China and become an important part of China's agricultural production system guarantee.Since 2012,the academic community has made a lot of discussions on financial poverty alleviation and insurance poverty alleviation,which has attracted attention from all sides.Due to the natural vulnerability of China's agricultural production,it is not uncommon for farmers to be impoverished due to diseases and return to poverty due to disasters.The characteristics of mutual aid and risk sharing of insurance are in good agreement with the current concept of poverty alleviation and play a significant role in helping targeted poverty alleviation.This paper attempts to answer the question whether agricultural insurance can play the role of poverty alleviation under the current background of"rural revitalization"and"targeted poverty alleviation".At the same time,on the basis of the above research,this paper also attempts to further discuss the specific transmission mechanism principle of agricultural insurance to help targeted poverty alleviation,so as to enrich the functional research of agricultural insurance.This paper will be discussed from the following aspects:The first chapter is the introduction.In the first chapter,we will discuss the topic background,research significance,main content,main innovation points and shortcomings of this paper.The second chapter is literature review.According to the two main aspects of agricultural insurance's impact on poverty alleviation,this chapter discusses how agricultural insurance affects farmers' absolute income to help them get rid of poverty,and how agricultural insurance affects farmers' relative income to narrow the income gap,trying to find the entry point of this article.The third chapter is the theoretical basis and data source.In this part,this paper will summarize the two theoretical bases of this paper:the basic idea of cobb-douglas production function and the basic theory of agricultural insurance;The fourth chapter is the empirical analysis of the relationship between agricultural insurance and absolute poverty.According to the different ways that agricultural insurance affects farmers'absolute income,this paper will discuss how agricultural insurance can help farmers increase their income from the perspective of subjective psychological expectation and objective risk tolerance.Chapter five is the empirical analysis of the relationship between agricultural insurance and relative poverty.In this part,the thiel index will be used as a measure of the urban-rural income gap(relative poverty)to try to demonstrate how agricultural insurance can leverage financial funds to promote the redistribution of national income in different sectors and regions to promote social equity and eliminate relative poverty.Chapter six is the conclusion and reflection.In chapter 6,this paper summarizes three different paths of how agricultural insurance affects poverty,and puts forward specific Suggestions for the information exposed in each path.