我国小额保险发展问题的研究

发布时间：2018-04-21 20:13

本文选题：小额保险 + 低收入群体　；参考：《广西大学》2014年硕士论文

【摘要】：从改革开放之后,我国国民经济取得了极大的发展,全国基本上达到了小康的水平,标志着我国的大部分人口已经摆脱了贫困状态。但是值得注意的是,我国实现的小康水平和世界上其他国家还有着较大的差距,我国面临着收入差距过高,整体收入过低,物价上涨过快等诸多问题。这些问题也对于我国经济的发展造成了较大的阻碍。保险业作为金融业中的重要组成部分,一直在国民经济中起着重要作用。但是低收入人群由于收入低,风险较高,以往不被保险公司作为主要的服务对象,这部分人的风险管理成为了一个难题。小额保险的出现为解决低收入人群无险可保的局面提供了一种解决途径。因而小额保险开始被世界各国政府及相关组织所关注,并被认为是一种极具前途的扶贫手段。本文主要采用对比研究的方式,对于国内外小额保险的发展过程与现状进行了研究,着重研究了小额保险在不同环境下产生的原因和发展的方向,在此基础之上探讨我国小额保险的未来发展方向。本文一共分为五个部分,具体的内容如下：在第一章中,首先介绍了本文的研究背景和研究目的,并且主要对于小额保险的国内外研究现状进行了阐述第二章首先研究了小额保险的本质,对于小额保险的性质与内容作出解释。其次,阐述了小额保险风险理论,解释了小额保险的主要风险。之后,对小额保险的供需进行分析,探讨小额保险的实际需求。最后,介绍了对于小额保险发展影响较大的金字塔底部理论。第三章主要研究了小额保险在我国的发展背景、产品的发展情况和政策监管状况,分析了我国小额保险目前的不足之处。并且对于国内小额保险的需求量进行了实证分析,估测了小额保险的最大可承受保费。最后,本章还涉及了对于我国台湾地区小额保险发展的研究,为未来的发展提供了参考。第四章中主要针对国外小额保险的不同发展情况对三个国家进行案例研究,针对印度,巴西,南非的小额保险发展情况,产品,监管问题分别做出了一定的研究。通过研究国外案例与国内研究形成对比,为我国小额保险的进一步发展做出参考。第五章,主要为我国小额保险的未来发展提供政策建议,从市场主体,产品策略,监管改革,宣传等方面指出我国小额保险的未来发展献计献策。
[Abstract]:Since the reform and opening up, China's national economy has made great progress, the country has basically reached a well-off level, indicating that most of our population has been lifted out of poverty. But it is worth noting that there is still a big gap between the well-off level of our country and other countries in the world. Our country is faced with many problems such as the income gap is too high, the whole income is too low, the price rises too fast and so on. These problems have also caused great hindrance to the economic development of our country. Insurance industry as an important part of the financial industry, has been playing an important role in the national economy. However, because of the low income and high risk, the low income group is not regarded as the main service object by the insurance company in the past, the risk management of this part of the people has become a difficult problem. The emergence of micro-insurance provides a way to solve the problem of low-income people without insurance. Therefore, micro-insurance has been concerned by governments and related organizations all over the world, and is regarded as a promising means of poverty alleviation. This article mainly adopts the contrast research method, has carried on the research to the domestic and foreign microinsurance development process and the present situation, has emphatically studied the microinsurance under the different environment the reason and the development direction, On this basis, this paper discusses the future direction of microinsurance in China. This paper is divided into five parts, the specific contents are as follows: In the first chapter, the research background and purpose of this paper are introduced, and the current research situation of micro-insurance at home and abroad is expounded. The second chapter first studies the nature of microinsurance and explains the nature and content of microinsurance. Secondly, it expounds the theory of micro-insurance risk and explains the main risks of micro-insurance. After that, the supply and demand of micro-insurance are analyzed, and the actual demand of micro-insurance is discussed. Finally, it introduces the pyramid bottom theory which has great influence on the development of micro insurance. The third chapter mainly studies the development background, product development and policy supervision of micro-insurance in China, and analyzes the current deficiencies of micro-insurance in China. And the demand of domestic micro-insurance is analyzed empirically, and the maximum affordable premium of micro-insurance is estimated. Finally, this chapter also involves the research on the development of micro-insurance in Taiwan, which provides a reference for the future development. The fourth chapter mainly focuses on the different development of foreign micro-insurance case studies in three countries, to India, Brazil, South Africa on the development of micro-insurance, products, regulatory issues made a certain degree of research. Through the study of foreign cases and domestic research to form a contrast for the further development of micro-insurance in China to make a reference. The fifth chapter provides policy advice for the future development of micro-insurance in China, and points out some suggestions on the future development of micro-insurance in China from the aspects of market main body, product strategy, supervision reform, propaganda and so on.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.6

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