应用长尾理论的农村小额人身保险发展研究
发布时间：2018-07-29 07:22
【摘要】：长尾理论是指在供给和流通渠道足够大时,既往需求不旺或销量不佳的产品也会占据更大的市场份额。 小额保险是一类面向低收入人群提供的保险产品的总称,具有保费低廉、保障适度、保单通俗、核保理赔简单等特点,是小额金融的重要组成部分,也是一种有效的金融扶贫手段。小额人身保险可以分为小额人寿保险、小额健康保险、小额意外保险等。小额人身保险为广大农村人口、特别是低收入农民提供风险保障,起到摆脱因意外、疾病致贫和返贫等作用。发展农村小额保险业务,可以帮助农村社会弱势群体规避某些特定风险,特别是重大疾病开支、意外身故、伤残危及基本生活的风险,对新农村建设意义重大,而且有利于提高农民保障水平、开拓农村保险市场。 本文首先对长尾理论和小额保险进行概述,分析小额人身保险的长尾特性,还应用长尾理论对农村小额人身保险进行PEST、SWOT分析。 我国的农村小额人身保险在中国保监会的推动下,从2008年试点推广,摸索出了商业保险经营模式、政府参与的半商业经营模式、多主体合作模式和小额信贷合作代理模式的多模式共同发展之路,然后介绍中国人寿试点农村小额保险的工作经验和发展思路。本文最后应用长尾理论提出发展我国发展农村小额人身保险的对策。
[Abstract]:Long tail theory means that when the supply and circulation channels are large enough, the products with low demand or poor sales will occupy a larger market share. Micro-insurance is a kind of insurance products for low-income people. It has the characteristics of low premium, moderate security, popular insurance policies, simple insurance claims and so on. It is an important part of microfinance. It is also an effective means of financial poverty alleviation. Small personal insurance can be divided into small life insurance, small health insurance, small accident insurance and so on. Small personal insurance provides risk protection for the rural population, especially low-income farmers, and helps to get rid of accidents, diseases, poverty and return to poverty. The development of rural micro-insurance business can help the disadvantaged groups of rural society to avoid certain specific risks, especially the expenditure of major diseases, accidental death, disability and the risk of endangering basic life, which is of great significance to the construction of a new rural area. And is advantageous to raise farmer safeguard level, open up rural insurance market. This paper first summarizes the long-tail theory and micro-insurance, analyzes the long-tail characteristics of micro-life insurance, and applies the long-tail theory to analyze the rural micro-personal insurance by PEST-SWOT. Driven by the China Insurance Regulatory Commission, the rural small personal insurance industry in our country has explored the commercial insurance business model and the semi-commercial business model in which the government participated from the pilot promotion in 2008. The multi-agent cooperative mode and the multi-mode co-agent mode of micro-credit cooperation develop together, and then introduce the working experience and development ideas of China Life Insurance pilot rural micro-insurance. In the end, the author puts forward some countermeasures for the development of small personal insurance in rural areas by using long tail theory.
【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】：F323.89;F842.62
[Abstract]:Long tail theory means that when the supply and circulation channels are large enough, the products with low demand or poor sales will occupy a larger market share. Micro-insurance is a kind of insurance products for low-income people. It has the characteristics of low premium, moderate security, popular insurance policies, simple insurance claims and so on. It is an important part of microfinance. It is also an effective means of financial poverty alleviation. Small personal insurance can be divided into small life insurance, small health insurance, small accident insurance and so on. Small personal insurance provides risk protection for the rural population, especially low-income farmers, and helps to get rid of accidents, diseases, poverty and return to poverty. The development of rural micro-insurance business can help the disadvantaged groups of rural society to avoid certain specific risks, especially the expenditure of major diseases, accidental death, disability and the risk of endangering basic life, which is of great significance to the construction of a new rural area. And is advantageous to raise farmer safeguard level, open up rural insurance market. This paper first summarizes the long-tail theory and micro-insurance, analyzes the long-tail characteristics of micro-life insurance, and applies the long-tail theory to analyze the rural micro-personal insurance by PEST-SWOT. Driven by the China Insurance Regulatory Commission, the rural small personal insurance industry in our country has explored the commercial insurance business model and the semi-commercial business model in which the government participated from the pilot promotion in 2008. The multi-agent cooperative mode and the multi-mode co-agent mode of micro-credit cooperation develop together, and then introduce the working experience and development ideas of China Life Insurance pilot rural micro-insurance. In the end, the author puts forward some countermeasures for the development of small personal insurance in rural areas by using long tail theory.
【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】：F323.89;F842.62
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