RESUMEN
This study takes 50 municipal level Huimin Insurance products launched in 2022 as the study object.Based on the theory of collaborative governance,a collaborative system framework of"Collaborative subject-Collaborative object-Collaborative environment"is constructed,extracting six variables:economic development level,residents'insurance awareness,government support level,internet platform participation,product price level,and product benefit level.Through the Qualitative Comparative Analysis(QCA)method,this paper empirically analyzes the influencing factors and configuration paths of Huimin Insurance participation rate,in order to explore the critical path for Huimin Insurance to achieve high participation rate and sustainable development.We find that government support is a necessary condition for a high participation rate.Finally,through conditional configuration analysis,it can be found that there are three paths:Government support-Product driven,Government support-Environment driven,and Comprehensive linkage-Collaborative system that can improve the participation rate of Huimin Insurance.Our findings can provide countermeasures and suggestions for improving the participation rate of Huimin Insurance.