Research On The Impact Of Agricultural Insurance On Rural Poverty Alleviation From The Perspective Of Inclusive Finance

At present,China’s battle against poverty has reached the stage of decisive victory.Only by thoroughly solving the problem of rural poverty can we build a well-off society in an all-round way as scheduled.However,the rural poor in China is mainly concentrated in the central and western regions,and ensuring that the poor in the central and western regions get out of poverty as scheduled has become a top priority.Based on special groups such as the poor,inclusive finance can effectively solve the problems of imbalanced supply and demand of financial services and inadequate development in poor areas,and help rural poverty-stricken areas overcome poverty.Agricultural insurance,as one of the financial inclusive products that mainly serves the majority of peasant households,plays an important role in economic compensation,credit enhancement,and financing,and has become an important "stabilizer" for agricultural and rural economic development.Therefore,exploring the impact of agricultural insurance on rural poverty alleviation from the perspective of inclusive finance has certain practical significance to the vast rural poor areas in the context of precision poverty alleviation in the new era.Current theories on poverty alleviation by inclusive finance and agricultural insurance have been relatively mature,but few studies have studied the relationship between agricultural insurance and rural poverty alleviation under the inclusive financial system.Based on this,22 provinces in the central and western regions covering 90% of the poorest regions are taken as the research object.First,the current situation of rural poverty in China,the status of inclusive financial development,and the status of agricultural insurance development and poverty alleviation in the central and western regions are analyzed.The theoretical mechanism of financial and agricultural insurance for rural poverty reduction,and put forward related research hypotheses;then,the weight determination method based on the entropy method is from the five dimensions of penetration,availability,use utility,commitment and rural finance,An evaluation index system for inclusive finance in the central and western regions was established,and a comprehensive evaluation of the development of inclusive finance in the central and western regions from 2010 to 2017 was conducted.Finally,the comprehensive evaluation of inclusive finance is used to empirically test the impact of agricultural insurance on poverty alleviation in the rural areas under the inclusive financial system through ordinary panel regression and panel threshold models.The research results show that during the analysis period,inclusive finance and agricultural insurance in the central and western regions are beneficial to rural povertyalleviation.Specifically,the impact of the development of agricultural insurance on rural poverty has a double threshold effect based on the level of rural economic development.The per capita disposable income of rural residents corresponding to the two thresholds is4,682.55 yuan and 6,371.11 yuan,respectively.The impact of rural poverty is divided into three distinct areas.The impact of agricultural insurance on rural poverty shows different trends in these three intervals.From 2015 to 2017,all provinces and cities in the central and western regions crossed the second threshold,and the effect of agricultural insurance to alleviate poverty was significantly enhanced.In addition,the level of urbanization,rural social relief,and rural medical care all have a positive impact on rural poverty reduction.Finally,based on the actual situation in the central and western regions,relevant countermeasures and suggestions were put forward,such as promoting the development of inclusive finance,improving the quality of agricultural insurance development,and expanding diversified poverty alleviation channels.