普惠保险对城乡收入差距的影响OACHSSCD

Narrowing the income gap between urban and rural areas is a critical goal in achieving social-ist modernization.Inclusive insurance,as a significant factor influencing this income disparity,presents a compelling subject for study.This paper begins by constructing a theoretical framework to systematically ana-lyze how inclusive insurance can help reduce the urban-rural income gap.It then employs provincial panel data and an intermediary effect model to explore the mechanisms and impacts of inclusive insurance on this gap.The findings reveal that rural labor force transfer plays a mediating role in reducing the urban-rural income gap.The impact of inclusive insurance on narrowing this gap varies significantly with different levels of rural labor transfer.Further research indicates that the effectiveness of inclusive insurance in reducing the urban-rural income gap exhibits heterogeneity based on agricultural status and the level of rural labor transfer.In provinces with substantial agricultural sectors,inclusive insurance contributes to reducing the income gap,though the effect is less pronounced in predominantly non-agricultural provinces.Additionally,in regions with low levels of rural labor transfer,the impact of inclusive insurance is more significant,suggesting that the de-gree of rural labor mobility influences the efficacy of policies aimed at reducing income disparities.