湖南农村小额保险需求影响因素研究

发布时间：2018-05-15 11:31

本文选题：农村小额保险 + 需求　；参考：《中南林业科技大学》2015年硕士论文

【摘要】：我国是一个农村人口数量巨大的国家,因此发展农村经济是当前整个国民经济发展中的重大之课题。从新农村建设的大环境来看,要解决我国的“三农”问题,其实核心就在于要发展农村经济,而这离不开农村金融体系的完善和金融体制持续的改革。农村小额保险是专门针对广大低收入农民的消费能力、特定风险设计的一种保险,是由政府组织推动、保险公司或其他金融机构具体经办的一种具有公益性和商业性两面性的保险类别,由于其能有效地提高我国农村大量低收入家庭的保障水平,所以可以说是一种惠民保险,是服务“三农”的重要手段,也是解决“三农”问题中农村金融体系改革的重要环节,所以也可以说是建设和谐社会和社会主义新农村的重要举措。本文首先通过查阅大量文献资料后,在总结前人研究成果的基础上对农村小额保险方面的各相关理论进行了较为系统的概述；其次本文作者及研究团队以湖南多个农村为样本做了随机的问卷调查及访谈,就湖南农村小额保险市场现状做了研究分析；第三,在得到一手数据的基础上,作者重点对影响湖南农村小额保险需求的各种因素作了深入的实证分析；最后,在分析结论的基础上就湖南发展农村小额保险市场的途径进行了有益探索,拓展了一些相关理论的实践范畴,同时对政府和各类涉农保险的金融机构提供了一些对策及建议。多方面原因导致了农村保险市场发展较滞后,而农村小额保险顺应农村保险需求应运而生的,其各方面的发展也还在探索之中,本文以需求影响因素入手探讨,以期为农村金融体系改革及新农村建设提供一些有意义的理论及实践参考。
[Abstract]:China is a country with large rural population, so the development of rural economy is an important subject in the development of the whole national economy. From the view of the new rural construction environment, to solve the "three rural" problem, the core lies in the development of rural economy, which can not be separated from the perfection of the rural financial system and the continuous reform of the financial system. Rural micro-insurance is a kind of insurance designed specifically for the consumption ability of the vast number of low-income farmers and a specific risk. It is promoted by government organizations. Insurance companies or other financial institutions have a kind of public welfare and commercial insurance which can effectively improve the security level of a large number of low-income families in rural areas in our country, so it can be said to be a kind of insurance for the benefit of the people. It is an important means to serve the "three rural areas" and an important link to solve the problem of rural financial system reform, so it can also be said to be an important measure to build a harmonious society and a new socialist countryside. Firstly, after consulting a lot of literature, this paper summarizes the related theories of rural micro-insurance on the basis of summarizing the previous research results. Secondly, the author and the research team made a random questionnaire survey and interviews with a number of rural areas in Hunan Province, and analyzed the current situation of the rural micro-insurance market in Hunan. Thirdly, on the basis of obtaining primary data, The author focuses on the factors affecting the demand for rural micro-insurance in Hunan Province, and finally, on the basis of the conclusions of the analysis, the author makes a beneficial exploration on the ways to develop the rural micro-insurance market in Hunan. This paper extends the practical scope of some related theories, and provides some countermeasures and suggestions to the government and various financial institutions concerned with agricultural insurance at the same time. The development of rural insurance market is lagging behind for many reasons, and the rural micro-insurance has come into being in accordance with the demand of rural insurance, and its development in all aspects is still under exploration. In order to provide some meaningful theoretical and practical reference for rural financial system reform and new rural construction.
【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】：2015
【分类号】：F842

【参考文献】