基于2014—2018年“中国家庭追踪调查”数据，采用固定效应模型，实证检验了倾斜性农业保险扶贫政策的减贫效应。结果表明：倾斜性农业保险扶贫政策能够显著提高农村贫困户的收入水平；倾斜性农业保险扶贫政策对贫困户的脱贫效应存在差异，财政保费补贴比例、自缴保费减免比例和农业保险理赔金额对贫困户脱贫具有显著正向影响，而农业保险费率对贫困户脱贫的影响不显著；农村地区依然存在“一边脱贫、一边返贫”的现象，需要引起高度重视。

Based on the data of “China Family Panel Studies” from 2014 to 2018, the poverty reduction effect of poverty alleviation policy of preferential agricultural insurance has been empirically tested by using the fixed effect model. The study shows that the poverty alleviation policy of preferential agricultural insurance has dramatically increased the income level of the poverty-stricken rural families. The poverty alleviation policy of preferential agricultural insurance has different poverty reduction effect: the proportion of financial premium subsidy, the proportion of self-payment premium reduction and the amount of agricultural insurance compensate have a significant positive impact on poverty alleviation of the rural poverty-stricken families, while the agricultural insurance rate has no significant effect on poverty alleviation. There is still the phenomenon of “getting out of poverty and returning back to poverty simultaneously”, which deserves great attention.

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