我国农村小额人身保险问题研究

发布时间：2018-05-26 13:13

本文选题：农村小额人身保险 + 制约因素　；参考：《广西大学》2014年硕士论文

【摘要】：近年来,党中央、国务院高度关注农村居民的生活保障问题,农村地区的保险保障情况也受到广泛关注；而传统保险主要针对城市中高收入阶级,并没有专门的针对农村低收入阶级的保险产品。为了响应国家号召,提高农村居民的生活质量,保监局做出积极努力,与此同时,国内几家大型保险公司紧跟政府步伐,开始在农村地区开展保险业务,促进农村保险业发展。我国农村地区现在主要的保险产品是农村小额人身保险。然而,近年来,我国农村小额人身保险的发展速度减缓,一些问题也在发展过程中逐渐暴露出来。本文通过研究国内外关于农村小额人身保险的文献、借助保险公司经营数据并对我国农村现状进行分析发现：农民保险意识和收入水平低下,农村小额人身保险险种结构不完善,营销环节薄弱,经营的高风险与高成本以及客户体系不健全造成了我国农村小额人身保险发展出现障碍。针对这些问题,结合我国国情,从客户群、政府和保险公司的角度提出建议,以保证我国农村小额人身保险的发展和稳定。本文的大体框架如下：首先是导论部分。主要说明了本文选题背景、研究目的、手段方法以及世界范围内学术界对农村小额人身保险研究综述以及本文的创新和不足之处。其次介绍小额人身保险的一般理论。阐述了我国农村小额人身保险发展的一般模式,剖析了我国农村小额人身保险可持续发展的环境。然后是对国际农村小额保险发展情况的分析。主要分析了亚洲、中南美洲、非洲农村小额人身保险的发展情况,针对不同国情进行了分析,总结出其他国家农村小额人身保险成功案例可借鉴的经验以及对我国的启示。再次研究了农村小额人身保险在国内可持续发展的现状和问题。结合我国国情,分析了农村小额人身保险在发展中暴露出的一些弊端。最后对我国农村小额人身保险可持续发展对策进行大胆设想。从政府和保险公司的角度,为农村小额人身保险可持续发展制定方针政策。
[Abstract]:In recent years, the CPC Central Committee and the State Council have paid great attention to the issue of the livelihood security of rural residents, and the insurance security situation in rural areas has also received extensive attention; while traditional insurance is mainly aimed at the middle and high income classes in urban areas. There is no specific insurance product for the rural low-income class. In order to respond to the national call to improve the quality of life of rural residents, the Bureau of Insurance and Supervision made positive efforts. At the same time, several large domestic insurance companies followed the government's steps, began to carry out insurance business in rural areas, and promoted the development of rural insurance industry. The main insurance product of our country rural area now is rural small life insurance. However, in recent years, the development of small personal insurance in rural areas slowed down, and some problems were gradually exposed in the process of development. By studying the domestic and international literature on rural small personal insurance, with the help of the management data of insurance companies and the analysis of the present situation in rural areas of China, this paper finds that the farmers' insurance consciousness and income level are low. The imperfect structure of rural micro-personal insurance, weak marketing links, high risk and high cost of operation and imperfect customer system have caused obstacles to the development of rural micro-personal insurance in China. In order to ensure the development and stability of small personal insurance in rural areas, this paper puts forward some suggestions from the point of view of customer group, government and insurance company in view of these problems and combined with the national conditions of our country. The general framework of this paper is as follows: The first part is the introduction. This paper mainly explains the background, research purpose, means and methods of this paper, as well as the summary of the research on rural micro-life insurance in the world, as well as the innovation and deficiency of this paper. Secondly, it introduces the general theory of small personal insurance. This paper expounds the general mode of the development of rural small personal insurance, and analyzes the environment of sustainable development of rural small personal insurance. Then it analyzes the development of international rural micro-insurance. This paper mainly analyzes the development of rural micro-life insurance in Asia, Central and South America and Africa, analyzes the different national conditions, summarizes the successful experiences of rural micro-life insurance in other countries and the enlightenment to our country. Thirdly, the paper studies the status quo and problems of rural small personal insurance in sustainable development in China. Combined with the national conditions of our country, this paper analyzes some disadvantages of rural small personal insurance in the development. Finally, the sustainable development of rural small personal insurance countermeasures are boldly conceived. From the angle of government and insurance company, make the policy for the sustainable development of rural small life insurance.
【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】：F842.62

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