Inclusive Finance Empowers the Optimization of New Forms of Endowment Insurance: An Exploration on the Path of Bank-Social Organization

Abstract

From the perspective of inclusive finance, banks serve as the core entities empowering endowment insurance services for new forms of employment. Based on reviewing the current development status and existing problems of endowment insurance for new forms of employment, this paper selects typical cases of bank-social organization collaboration in Fuzhou, Jinan and Zaozhuang, and analyzes the core roles and implementation effects of banks in product customization, channel extension and demand matching. Three major experiences are summarized: scenario-based demand response, inclusive service provision, and normalized mechanism construction. Accordingly, a practical path of collaborative services between Agricultural Bank of China and social organizations is constructed, providing references for solving the endowment security dilemma of groups in new forms of employment.