普惠保险、农村人力资本投资与城乡收入差距

郑军; 邓明珠

普惠保险、农村人力资本投资与城乡收入差距

引用本文：郑军，邓明珠.普惠保险、农村人力资本投资与城乡收入差距[J].财经理论与实践,2024,(3):76-83

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作者	单位
郑军，邓明珠	（安徽财经大学金融学院，安徽蚌埠 233030）

中文摘要:基于柯布-道格拉斯生产函数模型等理论，运用中介效应模型等方法，利用2012—2021年我国30个省（区、市）面板数据，分析普惠保险对农村人力资本投资和城乡收入差距的影响。结果表明：农村人力资本投资在普惠保险缩小城乡收入差距中具有中介效应；在居民受教育水平和农村人力资本投资水平较低的地区，普惠保险更有利于缩小城乡收入差距。因此，要充分发挥普惠保险优势，因地制宜有序缩小城乡收入差距。

中文关键词:普惠保险农村人力资本投资城乡居民收入共同富裕

Inclusive Insurance, Rural Human Capital Investment and Urban and Rural Income Gap

Abstract:Based on Cobb Douglas production function model and other theories, using intermediary effect model and other methods, the panel data of 30 provinces (autonomous regions and municipalities) from 2012 to 2021 were used to analyze the impact of inclusive insurance on rural human capital investment and urban-rural income gap. The results show that rural human capital investment has an intermediary effect in narrowing the urban-rural income gap by inclusive insurance; In areas with low education level and rural human capital investment level, inclusive insurance is more conducive to narrowing the income gap between urban and rural areas. Therefore, we should give full play to the advantages of inclusive insurance and narrow the gap between urban and rural income in an orderly manner according to local conditions.

keywords:inclusive insurance rural human capital investment income of urban and rural residents common prosperity

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