关键词: 普惠保险, 农民增收, 乡村文化振兴, 中介效应

Abstract: At present, academic discussions on rural cultural revitalization mostly focus on theoretical analysis, with less empirical research on the driving factors and transmission mechanisms of rural cultural revitalization. This article constructs a functional model and theoretical framework that includes inclusive insurance, increased income for farmers, and rural cultural revitalization, and derives the path through which inclusive insurance affects rural cultural revitalization through increased income for farmers. Selecting data from 31 provinces from 2013 to 2020, constructing an indicator system to calculate the rural cultural revitalization index, and using a mediation effect model to empirically test the impact and mechanism of inclusive insurance on rural cultural revitalization. Research has found that inclusive insurance can significantly promote rural cultural revitalization, and increasing farmers’ income plays a mediating role in promoting rural cultural revitalization through inclusive insurance. Improving agricultural labor efficiency is an important mechanism for promoting farmers’ income through inclusive insurance; The effect of inclusive insurance in promoting rural cultural revitalization in the western region is better than that in the eastern and central regions; There is a Matthew effect in promoting rural cultural revitalization through inclusive insurance. The higher the degree of rural cultural revitalization, the better the effect of inclusive insurance in promoting rural cultural revitalization. The conclusion of this article provides policy inspiration for coordinating the development of inclusive insurance, promoting farmers’ income growth, and promoting rural cultural revitalization.

Key words: inclusive insurance, farmers’ income, rural cultural revitalization, intermediary