Analysis of the Connotation,Development Model,and Effects of Inclusive Insurance in China——Based on"Long Tail Theory"and Farmer Survey Data
Inclusive insurance has improved the ability of low-income groups to re-sist risks.Developing inclusive insurance is an important measure to improve China's insurance industry service system,alleviate financial exclusion,and achieve social equity.In the context of the digital economy,fully utilizing digital technology to provide low threshold,sustainable,efficient and convenient,and comprehensive insurance services for the"long tail"population is the focus of the future develop-ment of inclusive insurance.Based on existing research,this article defines the con-cept,connotation,and characteristics of inclusive insurance,sorts out the develop-ment context and model of inclusive insurance in China,and summarizes its devel-opment characteristics.Based on data analysis of 1618 households in Hubei,Jiangxi,Sichuan,and Shandong provinces,it was found that inclusive insurance has a posi-tive impact on household income and has a"relative poverty oriented"income in-crease characteristic.It also improves agricultural or non agricultural income by af-fecting household labor force,labor hours,loan acquisition,and labor productivity.From the perspective of heterogeneity analysis,Inclusive insurance has a stronger income increase effect on farmers who can use the internet.Therefore,attention should be paid to the improvement and construction of digital infrastructure,pro-vide convenient insurance supply products,intensify the promotion of inclusive in-surance;improve the market for factor flow.
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