本文選題：農(nóng)村小額人身保險 + 制約因素　； 參考：《廣西大學(xué)》2014年碩士論文

【摘要】：近年來,黨中央、國務(wù)院高度關(guān)注農(nóng)村居民的生活保障問題,農(nóng)村地區(qū)的保險保障情況也受到廣泛關(guān)注；而傳統(tǒng)保險主要針對城市中高收入階級,并沒有專門的針對農(nóng)村低收入階級的保險產(chǎn)品。為了響應(yīng)國家號召,提高農(nóng)村居民的生活質(zhì)量,保監(jiān)局做出積極努力,與此同時,國內(nèi)幾家大型保險公司緊跟政府步伐,開始在農(nóng)村地區(qū)開展保險業(yè)務(wù),促進(jìn)農(nóng)村保險業(yè)發(fā)展。我國農(nóng)村地區(qū)現(xiàn)在主要的保險產(chǎn)品是農(nóng)村小額人身保險。然而,近年來,我國農(nóng)村小額人身保險的發(fā)展速度減緩,一些問題也在發(fā)展過程中逐漸暴露出來。本文通過研究國內(nèi)外關(guān)于農(nóng)村小額人身保險的文獻(xiàn)、借助保險公司經(jīng)營數(shù)據(jù)并對我國農(nóng)村現(xiàn)狀進(jìn)行分析發(fā)現(xiàn)：農(nóng)民保險意識和收入水平低下,農(nóng)村小額人身保險險種結(jié)構(gòu)不完善,營銷環(huán)節(jié)薄弱,經(jīng)營的高風(fēng)險與高成本以及客戶體系不健全造成了我國農(nóng)村小額人身保險發(fā)展出現(xiàn)障礙。針對這些問題,結(jié)合我國國情,從客戶群、政府和保險公司的角度提出建議,以保證我國農(nóng)村小額人身保險的發(fā)展和穩(wěn)定。 本文的大體框架如下： 首先是導(dǎo)論部分。主要說明了本文選題背景、研究目的、手段方法以及世界范圍內(nèi)學(xué)術(shù)界對農(nóng)村小額人身保險研究綜述以及本文的創(chuàng)新和不足之處。 其次介紹小額人身保險的一般理論。闡述了我國農(nóng)村小額人身保險發(fā)展的一般模式,剖析了我國農(nóng)村小額人身保險可持續(xù)發(fā)展的環(huán)境。 然后是對國際農(nóng)村小額保險發(fā)展情況的分析。主要分析了亞洲、中南美洲、非洲農(nóng)村小額人身保險的發(fā)展情況,針對不同國情進(jìn)行了分析,總結(jié)出其他國家農(nóng)村小額人身保險成功案例可借鑒的經(jīng)驗(yàn)以及對我國的啟示。 再次研究了農(nóng)村小額人身保險在國內(nèi)可持續(xù)發(fā)展的現(xiàn)狀和問題。結(jié)合我國國情,分析了農(nóng)村小額人身保險在發(fā)展中暴露出的一些弊端。 最后對我國農(nóng)村小額人身保險可持續(xù)發(fā)展對策進(jìn)行大膽設(shè)想。從政府和保險公司的角度,為農(nóng)村小額人身保險可持續(xù)發(fā)展制定方針政策。
[Abstract]:In recent years, the CPC Central Committee and the State Council have paid great attention to the issue of the livelihood security of rural residents, and the insurance security situation in rural areas has also received extensive attention; while traditional insurance is mainly aimed at the middle and high income classes in urban areas. There is no specific insurance product for the rural low-income class. In order to respond to the national call to improve the quality of life of rural residents, the Bureau of Insurance and Supervision made positive efforts. At the same time, several large domestic insurance companies followed the government's steps, began to carry out insurance business in rural areas, and promoted the development of rural insurance industry. The main insurance product of our country rural area now is rural small life insurance. However, in recent years, the development of small personal insurance in rural areas slowed down, and some problems were gradually exposed in the process of development. By studying the domestic and international literature on rural small personal insurance, with the help of the management data of insurance companies and the analysis of the present situation in rural areas of China, this paper finds that the farmers' insurance consciousness and income level are low. The imperfect structure of rural micro-personal insurance, weak marketing links, high risk and high cost of operation and imperfect customer system have caused obstacles to the development of rural micro-personal insurance in China. In order to ensure the development and stability of small personal insurance in rural areas, this paper puts forward some suggestions from the point of view of customer group, government and insurance company in view of these problems and combined with the national conditions of our country. The general framework of this paper is as follows: The first part is the introduction. This paper mainly explains the background, research purpose, means and methods of this paper, as well as the summary of the research on rural micro-life insurance in the world, as well as the innovation and deficiency of this paper. Secondly, it introduces the general theory of small personal insurance. This paper expounds the general mode of the development of rural small personal insurance, and analyzes the environment of sustainable development of rural small personal insurance. Then it analyzes the development of international rural micro-insurance. This paper mainly analyzes the development of rural micro-life insurance in Asia, Central and South America and Africa, analyzes the different national conditions, summarizes the successful experiences of rural micro-life insurance in other countries and the enlightenment to our country. Thirdly, the paper studies the status quo and problems of rural small personal insurance in sustainable development in China. Combined with the national conditions of our country, this paper analyzes some disadvantages of rural small personal insurance in the development. Finally, the sustainable development of rural small personal insurance countermeasures are boldly conceived. From the angle of government and insurance company, make the policy for the sustainable development of rural small life insurance.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.62

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本文編號：1937350