湖北农村小额保险发展问题研究

发布时间：2018-05-31 02:12

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

【摘要】：农村小额保险是近年来在部分发展中国家兴起的一类特殊商业保险,它具有保单通俗易懂、保障基本适度、保费低廉惠民、核保理赔简便等特点。积极发展农村小额保险,对构建社会主义和谐新农村,完善农村社会保障体系和提升农民保障水平均有重要的作用和现实意义。本文通过对农村小额保险的开展背景和取得的成效进行了深入分析,借助湖北省农村地区的调研材料,发现了农村小额保险在近几年的发展中所呈现出的-派欣欣向荣景象,在广大农村地区的覆盖面也越来越广。同时,也有一些问题崭露头角,如部分农民保险意识不足和保险险种不能完全满足市场需求等问题。通过对相关资料的分析,总结出了进一步推进湖北省农村小额保险的对策,提出了完善农村小额保险的意见和建议。本文共分为五个部分：第一章为引言。介绍了研究目的和研究意义,回顾了国内外文献,并明确了研究思路和研究方法。第二章介绍了农村小额保险的基本内容。首先明确了小额保险的概念,并由此界定了农村小额保险的定义；接着对小额保险产品分成四类：小额人寿保险、小额健康保险、小额意外伤害保险和小额农业和家庭财产保险。第三章回顾了农村小额保险的发展历程,分析了其发展现状,阐述了发展过程中存在的问题,以及现有的四种模式的利弊。第四章结合湖北省农村小额保险的实践案例,提出了数点完善建议,如加大以产品创新为先导,不断满足广大农民的现实需求,以服务创新为低收入农民创造价值,积极回报客户。第五章的结论部分就湖北省农村小额保险的改善提出了如下建议：包括关注农民的主体地位,保证政策的可执行性；加强对农村小额保险的宣传,营造强烈的保险意识和氛围；拓展保险品种,创新保模式；提高政府的参与度,提升政策和资金的支持力度；创新保险管理机制,完善理赔程序。
[Abstract]:Rural micro insurance is a kind of special commercial insurance which has been rising in some developing countries in recent years . It has the characteristics of easy understanding of insurance policies , basic comfort , low premium and easy settlement .

Through the analysis of the background and achievements of the rural micro insurance , the author finds out that the rural micro insurance has appeared in the development of the rural area in recent years .

This paper is divided into five parts :

The first chapter introduces the research purpose and the research significance , reviews the domestic and foreign literatures , and makes clear the research thinking and the research method .

The second chapter introduces the basic contents of rural micro - insurance . Firstly , the concept of micro - insurance is defined , and the definition of rural micro - insurance is defined .
The micro - insurance products are then divided into four categories : micro life insurance , micro health insurance , micro accident insurance and micro agriculture and family property insurance .

Chapter three reviews the development course of rural micro insurance , analyzes its development status , expounds the problems existing in the development process , and the advantages and disadvantages of the existing four modes .

In the fourth chapter , combining with the practice case of rural micro insurance in Hubei province , some suggestions are put forward , such as increasing the product innovation as a leader , constantly meeting the realistic demand of the broad masses of farmers , creating value for low - income farmers with service innovation , and actively rewarding customers .

The conclusion part of the fifth chapter puts forward the following suggestions on the improvement of rural micro insurance in Hubei province , including paying attention to the main status of the farmers and ensuring the enforceability of the policy ;
To strengthen the publicity of rural micro insurance and create a strong sense of insurance and atmosphere ;
Expand insurance varieties and innovate insurance mode ;
( b ) Increase the level of government participation , promote policy and financial support ;
Innovation insurance management mechanism , perfect the settlement procedure .
【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

【参考文献】