中国农村小额保险研究

发布时间：2018-05-10 10:57

本文选题：农村小额保险 + 作用　；参考：《中南林业科技大学》2013年硕士论文

【摘要】：本文以农村小额保险为研究主题,通过对我国农村小额保险发展的历史与现状分析,阐述了我国农村小额保险发展存在的问题及成因,并对农村小额保险的发展提出了因应对策与建议。小额保险是一种在成本、期限、承保范围和供应机制等方面适用于低收入市场的风险分担性产品。目前,世界上有100多个发展中国家,都在积极探索用小额保险为中低收入人群提供保障服务的问题。小额保险机制率先被印度、孟加拉国和菲律宾等发展中国家引入,这些国家根据其农村人口缺乏保险保障的实际情况,以多种形式在农村地区推进小额保险业务,取得了较快发展,成为解决农村人口基本保障的有效手段,引起了国际保险监督官协会、世界银行和国际劳工组织的高度关注。部分发展中国家的农村状况和我国有一定的相似性,他们对农村小额保险市场的探索和实践,正好为我国提供了可供借鉴的蓝本。在我国农村地区发展农村小额保险业务,一方面可以减少财政救灾支出,另一方面能够满足农村人口基本的保障需求,减轻养老、医疗等方面的负担。不仅对建设社会主义新农村、构建社会主义和谐社会起到重要的意义,而且对于提高农民保障水平、开拓保险市场以及完善农村社会保障体系有着至关重要的作用。当然,在我国推广农村小额保险的过程中也出现了一些问题,还需要我们通过实践不断探索,寻找出更适合我国农村情况的小额保险发展之路。目前,我国对农村小额保险的研究很多,大都具体划分为农村小额养老保险,农村小额医疗保险等具体类别,本文着重从农村小额保险整体的发展状况和发展前景来分析目前我国农村小额保险的发展趋势。同时,从保险公司的农村小额保险承保实践出发,对农村小额保险发展提出了因应措施。主要内容如下：第一章绪论,提出了农村小额保险的概念和发展意义；第二章为农村小额保险的相关理论介绍。阐述了农村小额保险的基本定义和三大内涵,以及农村小额保险的特征；第三章介绍了小额保险的历史和发展现状,对我国农村小额保险的发展情况进行了阐述；第四章从小额保险的现状出发,指出了我国农村小额保险发展中存在的一些问题以及这些问题是如何形成的；第五章是对农村小额保险的发展对策和建议；第六章结论,进一步总结在我国农村小额保险具有广泛前景,我国农村小额保险的发展还需要多方努力,共同维护。
[Abstract]:By analyzing the history and present situation of the development of rural micro-insurance in China, this paper discusses the problems and causes of the development of rural micro-insurance in China. And put forward countermeasures and suggestions to the development of rural micro-insurance. Micro-insurance is a kind of risk-sharing product suitable for low-income market in cost, duration, coverage and supply mechanism. At present, there are more than 100 developing countries in the world, they are actively exploring the issue of providing security services for middle and low income people with micro-insurance. The micro-insurance mechanism was first introduced by developing countries such as India, Bangladesh and the Philippines. According to the actual situation of the lack of insurance protection for their rural population, these countries promoted micro-insurance business in rural areas in various forms. It has made rapid development and become an effective means to solve the basic security of rural population. It has attracted the attention of the International Association of Insurance Supervisors, the World Bank and the International Labour Organization. Some developing countries' rural conditions are similar to China's. Their exploration and practice of rural micro-insurance market provide a blueprint for our country to use for reference. The development of rural micro-insurance in rural areas in China can, on the one hand, reduce the expenditure of financial disaster relief, on the other hand, it can meet the basic security needs of the rural population and lighten the burden of old-age care, medical treatment and so on. It not only plays an important role in building a new socialist countryside and building a harmonious socialist society, but also plays a vital role in improving the level of farmers' security, opening up the insurance market and perfecting the rural social security system. Of course, there are some problems in the process of popularizing rural micro-insurance in our country, and we still need to explore through practice to find a way to develop micro-insurance which is more suitable for the rural situation of our country. At present, there are a lot of studies on rural micro-insurance in China, most of which are divided into rural micro-old-age insurance, rural micro-medical insurance and other specific categories. This paper analyzes the development trend of rural micro-insurance in China from the point of view of the overall development and prospects of rural micro-insurance. At the same time, based on the rural micro-insurance practice of insurance companies, the development of rural micro-insurance measures are put forward. The main contents are as follows: the first chapter introduces the concept and development significance of rural micro-insurance; the second chapter introduces the theory of rural micro-insurance. This paper expounds the basic definition and three connotations of rural micro-insurance and the characteristics of rural micro-insurance, the third chapter introduces the history and development of micro-insurance, and expounds the development of rural micro-insurance in China. The fourth chapter points out some problems existing in the development of rural micro-insurance in China and how to form these problems; the fifth chapter is the development countermeasures and suggestions for rural micro-insurance; the sixth chapter is the conclusion. The development of rural micro-insurance in our country needs more efforts and joint maintenance.
【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】：F842.6;F323.89

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