非规模性返贫防范:激励性保险创新与治理拓展OA

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.