重庆文理学院学报（社会科学版）2026，Vol.45Issue(2)：20-31,12.DOI:10.19493/j.cnki.issn1673-8004.2026.02.002
非规模性返贫防范:激励性保险创新与治理拓展
Prevention of Non-large-scale Return to Poverty:Incentive Insurance Innovation and Governance Expansion
摘要
Abstract
The phenomenon of non-large-scale return to poverty has become a governance dilemma in the stage of consolidating poverty alleviation achievements due to its concealment,suddenness,and the diversity and complexity of its inducing factors.It is urgent to construct a governance mechanism with both accuracy and long-term effectiveness.Although existing financial poverty alleviation tools have achieved certain results in preventing unstable households who have escaped poverty,marginal households at risk of falling into poverty,and households with sudden and severe difficulties(hereinafter referred to as the"Three Types of Vulnerable Households")from returning to poverty,they still suffer from problems such as insufficient incentives,target deviation,and incomplete release of performance.To effectively block the risk of returning to poverty for the"Three Types of Vulnerable Households"and improve the marginal efficiency of financial tools,this paper,based on the perspective of incentive sustainability,systematically analyzes the operational mechanisms of poverty-inducing factors behind return to poverty,including cognitive deficiency,resource scarcity,relationship disruption,insufficient motivation,and improper decision-making,and explores the incentive biases and failure causes of existing financial tools.On this basis,the paper proposes to expand the governance logic from"compensatory insurance"to"incentive insurance"and innovatively designs a financial tool called"Prosperity Index Insurance".Based on the evaluation of multi-dimensional development indicators,this insurance product regularly conducts quantitative assessments of the development progress of insured households,provides insurance incentives to the"Three Types of Vulnerable Households"that have achieved positive development,and can be linked with credit mechanisms to enhance policy synergy.The paper systematically elaborates on the connotation,characteristics,operational mechanism,and key issues of the"Prosperity Index Insurance",and argues that its universal design,which is not dependent on specific industries,projects,or regions,helps to stimulate the endogenous development motivation of the"Three Types of Vulnerable Households"and enhance the initiative of their household livelihood strategies.Finally,policy suggestions for promoting the implementation of this insurance product are put forward from three aspects:institutional coordination,capacity building,and publicity and promotion.关键词
非规模性返贫/激励性保险/致富指数险/金融治理/乡村振兴Key words
non-large-scale return to poverty/incentive insurance/prosperity index insurance/financial governance/rural revitalization分类
社会科学引用本文复制引用
彭万勇,张玲玲,罗佳..非规模性返贫防范:激励性保险创新与治理拓展[J].重庆文理学院学报（社会科学版）,2026,45(2):20-31,12.基金项目
重庆社会科学规划项目"重庆现代化大农业依山就势高质量发展路径研究"(2024NDYB095) （2024NDYB095）
重庆文理学院"新质生产力"专项"新质生产力赋能现代化大农业基要性变革研究"(C2024CJ01). （C2024CJ01）
