我国农村人身保险现状及发展趋势研究

发布时间：2018-04-10 18:53

本文选题：中国农村人身保险市场 + 实证研究　；参考：《中南林业科技大学》2013年硕士论文

【摘要】：随着中国保险市场的发展,农村人身保险市场发展的拓荒阶段基本结束,依靠粗放的经营手段进行农村人身保险市场开发已经无法适应新的形势要求。基于以上原因,本文围绕我国农村人身保险需求,分析了我国农村人身保险现状及发展趋势,其中不乏运用了灰色系统方法、比较研究方法、定性研究等方法,展开了以下研究：第一章对我国农村人身保险基本概念和分类进行简述,即农村养老保险、农村医疗保险和农民工意外伤害保险,之后详尽介绍了我国农村人身保险需求的特征。第二章分别阐述分析了农村养老保险、农村医疗保险和农民工意外伤害保险现状及需求。在前述理论的支撑下,分别从农村人口特征；现阶段农村医疗卫生条件；农民工职业结构、工作特征及保障水平等维度定性研究了我国农村养老、医疗保险及农民工意外伤害保险的现状。第三章是在对我国农村保险未来发展环境以及国外农民人身保险模式进行介绍和分析的基础上,对我国农村保险发展趋势进行了预测。第四章是对我国农村人身保险有了充分分析后,对我国农村未来养老保险、医疗保险和农民工意外伤害保险为主的中国农村人身保险的发展提出了策略参考。确定了具体的目标市场,提出了针对我国农民的产品策略、价格策略、渠道策略和促销策略。达到激发农民对保险的欲望,进而产生保险需求的目的。第五章提出针对中国农村人身保险市场开发的配套条件,提出并建议政府通过实施有效的税收政策、产业政策、金融管理政策、社会保障政策和收入政策,为商业性保险公司进一步开发农村人身保险市场创造条件。本文存在的创新之处：运用了定性研究与比较研究相结合的方法,弥补了目前实证研究中以定量研究预测为主,概括性不足较大,针对性不强,指引性不够明确的缺点。同时在方法论上对类似研究提供了参考,也丰富了该领域的研究方法；然后,将农村人身保险需求独立于整个人身保险需求的研究,为农村人身保险的开展提供了便利。
[Abstract]:With the development of China's insurance market, the pioneering stage of rural life insurance market has basically ended. The development of rural life insurance market by extensive management means has been unable to adapt to the new situation.
Based on the above reasons, this paper analyzes the current situation and development trend of rural life insurance in China based on the demand of rural life insurance. There are many researches on the application of grey system method, comparative research method and qualitative research method.
The first chapter briefly describes the basic concepts and classification of rural life insurance in China, that is, rural endowment insurance, rural medical insurance and migrant workers' accidental injury insurance. After that, the characteristics of rural life insurance demand in China are introduced in detail.
The second chapter analyzes the rural endowment insurance, medical insurance and rural migrant workers accident insurance status and demand. In the theory, from the characteristics of the rural population; rural medical and health conditions at this stage; migrant workers occupation structure, work characteristics and guarantee water qualitative research of our country of equal dimensions of rural endowment, medical status insurance and accident insurance for migrant workers.
The third chapter is based on the introduction and analysis of the future development environment of rural insurance and the life insurance mode of foreign farmers, and forecasts the development trend of rural insurance in China.
The fourth chapter is the analysis of China's rural personal insurance in rural areas of China, the future development of endowment insurance, medical insurance and accident insurance of migrant workers mainly Chinese rural life insurance strategy is proposed to determine the reference. A specific target market, put forward our country farmer's product strategy, price strategy, channel strategy and promotion strategy. To stimulate farmers to insurance and desire, demand for insurance purposes.
The fifth chapter puts forward the supporting conditions for the development of Chinese rural life insurance market, and puts forward suggestions of government through the implementation of effective tax policy, industrial policy, financial policy, social security and income policies, and create conditions for the commercial insurance company to further develop the rural life insurance market.
The innovation may exist in this paper: using the method of qualitative research and comparative research combined, for the current empirical research with quantitative research forecast. The general lack of greater pertinence, guidance is not clear shortcomings. And the methodology of the research provides a reference, but also enrich the research methods the field of research; then, the demand for life insurance in rural people needs independent of whole life insurance and provide convenience for the development of rural personal insurance.

【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.62

【引证文献】