保定市农村小额人身保险的发展对策

发布时间：2018-03-30 17:11

  本文选题：保定市　切入点：农村小额人身保险　出处：《河北大学》2016年硕士论文

【摘要】：在我国从最初的2008年的试点方案即《农村小额人身保险试点方案》公布到现在已有9个年头,河北省作为其中第二批加入的省份,其中的发展由最开始小范围推广到现在基本被农民接受,小额人身保险的产品开发,服务水平以及相应之后的核保理赔等都在不断完善,这期间取得的巨大成就我们都是有目共睹,在发展过程中,不仅各大保险公司积极参与,各级政府也相应给予了大力支持,为小额人身保险的推广和发展提供了有力的支持。但在发展过程中也遇到了诸多问题,例如有效需求不足、有效供给低下,需求和供给的不匹配。由此,本文通过查阅大量文献和实地调研,充分了解位于河北省保定市的农村小额人身保险的发展现状,剖析其存在这些问题的原因,同时借鉴国外的发展情况及经验,提出针对保定市出现的问题给出切实可行的,令保险公司和广大农民群体实现双赢的解决之道。本文共分五大部分,第一部分介绍了本文的研究背景和研究意义,重点是偏重实际意义。第二部分主要介绍了我国农村小额人身保险的概念及理论基础,并把它和传统的保险做出详细比较。第三部分介绍保定市农村小额人身保险的发展状况,首先整体介绍全国的发展状况,之后详细介绍了笔者做调查问卷总结的数据,并提出在发展中遇到的问题。第四部分介绍了国外的两个国情与我国相似的国家的发展经验,即印度和菲律宾。第五部分提出针对保定市的发展小额人身保险的对策。
[Abstract]:In China, it has been nine years since the initial pilot program in 2008, the pilot Program for Rural Microlife Insurance, was published. Hebei Province, as the second batch of provinces to join, Among them, the development has been extended from a small scale at the beginning to now basically accepted by farmers. The product development, the service level and the corresponding post-insurance claims of small personal insurance have been continuously improved. The tremendous achievements made during this period are obvious to all. In the process of development, not only major insurance companies have been actively involved, but also governments at all levels have given strong support accordingly. It provides strong support for the promotion and development of micro-life insurance. However, in the process of development, there are also many problems, such as insufficient effective demand, low effective supply, mismatch between demand and supply. By consulting a large number of documents and field investigation, this paper fully understands the current situation of the development of rural small personal insurance in Baoding City, Hebei Province, analyzes the reasons for these problems, and draws lessons from the development situation and experience of foreign countries. This paper puts forward a feasible way to solve the problems in Baoding city and makes insurance companies and farmers realize win-win situation. This paper is divided into five parts. The first part introduces the research background and significance of this paper. The second part mainly introduces the concept and theoretical basis of rural micro-personal insurance in China, and compares it with traditional insurance in detail. The third part introduces the development of rural micro-personal insurance in Baoding. First of all, it introduces the development situation of the whole country, then introduces the data summarized by the author in detail, and puts forward the problems encountered in the development. The fourth part introduces the development experience of the two countries with similar national conditions as our country. That is, India and the Philippines. The fifth part puts forward the development of small personal insurance against Baoding City.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F842.62
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本文编号：1686842