牡丹江市农村小额人身保险业务发展研究

发布时间：2019-06-19 03:46

【摘要】：对于小额保险来说，是一种在保险期限、供应机制、保险成本和承保范围多个方面比较适合低收入市场的风险分担性的险种。在小额金融中，，农村小额人身保险是一个重要内容，在一定程度上起到了一定的金融扶贫的作用。通过建立为低收入人群提供保险保障的运行机制，使保险服务和金融服务真正做到普惠性，这是中国保监会启动农村人身小额保险的初衷。当前，农村小额人身保险在为广大农村人口、特别是低收入农民提供风险保障，摆脱因意外伤害、重大疾病致贫和返贫方面起到了显著效果，对于建设社会主义新农村、构建社会主义和谐社会意义重大。鉴于当前国内专门针对农村小额人身保险业务的实证研究成果匮乏，本文采用规范分析与实证分析相结合的研究方法，对黑龙江省牡丹江市农村小额人身保险业务发展情况进行系统分析。旨在为保险公司更好地满足农民抵御风险需求、开拓农村人身保险市场提供思路，促进农村人身保险业务的快速发展。首先，分析了牡丹江市农村小额人身保险的发展现状及存在的问题。由于地方政府重视、农民收入增加、农民保险观念逐渐增强等原因，近年来牡丹江市农村小额人身保险因为呈现出发展速度上是逐年加快、业务覆盖面是越来越广、业务发展潜力巨大等特点。其问题主要表现在农民的传统观念制约了商业保险业务发展、农村居民经济承受能力与需求不匹配、保险产品不适应农村居民需要、保险公司营销策略运用不当、保险公司口碑欠佳等方面。其次，针对牡丹江农村人身保险业务发展中存在的问题，借鉴已有研究成果，从改善税收政策、强化金融管理、提高保险产业能力等方面有针对性地提出了完善相关配套政策的建议，并提出了具有可操作性的保险公司的市场开发策略选择。
[Abstract]:For microinsurance, it is a kind of risk sharing insurance which is more suitable for low income market in terms of insurance duration, supply mechanism, insurance cost and coverage. In microfinance, rural micro-life insurance is an important content, to a certain extent, played a certain role in financial poverty alleviation. By establishing the operation mechanism of providing insurance protection for low-income people, the insurance service and financial service can really be inclusive, which is the original intention of CIRC to start rural life micro-insurance. At present, rural micro-life insurance has played a significant role in providing risk protection for the vast rural population, especially low-income farmers, getting rid of accidental injury, causing poverty due to major diseases and returning to poverty, which is of great significance to the construction of a new socialist countryside and the construction of a harmonious socialist society. In view of the lack of empirical research results specifically aimed at rural micro-life insurance business in China, this paper uses the combination of normative analysis and empirical analysis to systematically analyze the development of rural micro-life insurance business in Mudanjiang City, Heilongjiang Province. The purpose of this paper is to provide ideas for insurance companies to better meet the needs of farmers to resist risks, to open up the rural life insurance market, and to promote the rapid development of rural life insurance business. First of all, this paper analyzes the development status and existing problems of rural micro-life insurance in Mudanjiang City. Due to the importance attached by the local government, the increase of farmers' income and the gradual enhancement of the concept of farmers' insurance, in recent years, the rural small life insurance in Mudanjiang City has been accelerated year by year, the business coverage is more and more extensive, the business development potential is huge and so on. The main problems are as follows: the traditional concept of farmers restricts the development of commercial insurance business, the economic affordability and demand of rural residents do not match, the insurance products do not meet the needs of rural residents, the marketing strategy of insurance companies is not used improperly, and the reputation of insurance companies is not good. Secondly, in view of the problems existing in the development of Mudanjiang rural life insurance business, drawing lessons from the existing research results, this paper puts forward some suggestions for perfecting the relevant supporting policies from the aspects of improving tax policy, strengthening financial management and improving the ability of insurance industry, and puts forward some operable market development strategy choices of insurance companies.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.7

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