我国农村小额保险的市场构建与发展
发布时间：2018-08-08 19:48
【摘要】：发展农村小额保险是保险业服务"三农"的重要手段,也是解决农村低收入人群生存的有效手段。我国农村小额保险在政府的支持与保险公司的配合下逐步发展起来,但仍存在法规缺乏,农民参保意识不强,产品与农民需求不匹配等问题,需要政府、保险公司、农民三方共同努力来推行农村小额保险,逐步形成完善的"三农"保障体系。本文运用SCP范式分析农村小额保险的市场结构、市场行为和市场绩效之间的内在联系,判断市场资源的配置状况,为农村小额保险发展提供理论依据。
[Abstract]:The development of rural micro-insurance is an important means of insurance service for agriculture, rural areas and farmers, and also an effective means to solve the survival of low-income rural people. With the support of the government and the cooperation of insurance companies, the rural micro-insurance in our country has gradually developed. However, there are still some problems, such as the lack of laws and regulations, the weak awareness of farmers' participation in insurance, the mismatch between products and farmers' demand, and so on, which need the government and insurance companies. Farmers work together to promote rural micro-insurance, gradually forming a perfect "three rural" security system. This paper analyzes the market structure, market behavior and market performance of rural micro-insurance by using SCP paradigm, judges the allocation of market resources, and provides a theoretical basis for the development of rural micro-insurance.
【作者单位】： 江南大学商学院;
【基金】：国家自然科学基金项目(71240011) 教育部新世纪优秀人才支持计划项目(NCET-11-0664) 中央高校基本科研业务费专项资金资助项目(JUSRP21144)
【分类号】：F842.6
本文编号：2172869
[Abstract]:The development of rural micro-insurance is an important means of insurance service for agriculture, rural areas and farmers, and also an effective means to solve the survival of low-income rural people. With the support of the government and the cooperation of insurance companies, the rural micro-insurance in our country has gradually developed. However, there are still some problems, such as the lack of laws and regulations, the weak awareness of farmers' participation in insurance, the mismatch between products and farmers' demand, and so on, which need the government and insurance companies. Farmers work together to promote rural micro-insurance, gradually forming a perfect "three rural" security system. This paper analyzes the market structure, market behavior and market performance of rural micro-insurance by using SCP paradigm, judges the allocation of market resources, and provides a theoretical basis for the development of rural micro-insurance.
【作者单位】： 江南大学商学院;
【基金】：国家自然科学基金项目(71240011) 教育部新世纪优秀人才支持计划项目(NCET-11-0664) 中央高校基本科研业务费专项资金资助项目(JUSRP21144)
【分类号】：F842.6
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1 郑少鲁 李赞平;中国保险业：市场绩效与经济发展水平不相适应[N];民营经济报;2005年
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1 董芳;上海市寿险市场的失灵及对策分析[D];东华大学;2006年
2 金晶;中国保险业效率的实证研究[D];浙江工商大学;2007年
3 毕泗锋;SCP范式下的中国保险产业组织研究[D];青岛大学;2004年
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