《保险研究》20241105-《政策性保险的社会治理目标建构及实践研究——基于湖北Y镇的调研分析》（金江峰）

［摘   要］农村在风险应对过程中存在诸多短板，是政策性保险事业发展的重点。本文基于政策性保险的下乡实践考察，提出“保险社会治理”分析视角，搭建“政府-市场-社会”分析框架，研究发现：第一，基层政府的风险-压力分散、保险公司的成本-收益平衡和村庄社会的福利-幸存偏好，共同形塑了保险的社会治理目标；第二，政策性保险的社会治理目标在实践中存在偏移，原因是基层政府的行政干预、村庄社会的机会化参与，以及保险公司对于农村政策性保险的运作更多偏向市场成本与收益规则下的交易制度，较少偏向政府保障制度或社会福利制度；第三，部分地区的政策性保险出现了安全兜底难、履责困难和增加基层干部负担等问题，需通过完善政府职能、建立专业化保险从业者队伍和提高保险补贴的精准性等加以化解。

［关键词］风险社会；政策性保险；社会治理

［基金项目］本研究得到国家社会科学基金项目“党建引领农村合作社发展的益贫效能研究”（22CDJ049）、中国博士后科学基金第17批特别资助项目“社会中心视域下农民专业合作社的功能实践研究”（2024T170318）的资助。

［作者简介］金江峰，华中师范大学中国农村研究院副教授，硕士生导师，主要研究方向：公共政策、社会治理。

A Research on the Cultivation and Practice of Social Governance Goal of Policy-based Insurance—Based on the Investigation and Analysis of Y Town in Hubei Province

JIN Jiang-feng

Abstract：There are many shortcomings in the process of risk response in rural areas,which is the focus of national insurance development. Based on the practice of policy-based insurance in rural areas,the paper puts forward the perspective of“social governance of insurance”,and sets up the analysis framework of“government-market-society”,the findings are as follows:(1)The risk-pressure dispersion of grass-roots government,the cost-benefit balance of insurance company and the welfare-survival preference of village society shape the social governance goal of insurance;(2)The social governance goal of policy-based insurance deviates in practice because of the administrative intervention of grass-roots government and the opportunistic participation of village society,and the insurance company’s operation of rural policy insurance is more inclined to the transaction system under the rules of market cost and income,less inclined to the government’s security system or social welfare system;(3)The policy-based insurance in some regions has encountered problems such as difficulties in securing the bottom line,difficulties in fulfilling responsibilities and increasing the burden on cadres,it needs to be solved by perfecting government service function,establishing professional insurance practitioners and improving the precision of insurance subsidy.

Key words：risk society;policy-based insurance;social governance