本文選題：保定市　切入點(diǎn)：農(nóng)村小額人身保險(xiǎn)　出處：《河北大學(xué)》2016年碩士論文

【摘要】：在我國從最初的2008年的試點(diǎn)方案即《農(nóng)村小額人身保險(xiǎn)試點(diǎn)方案》公布到現(xiàn)在已有9個(gè)年頭,河北省作為其中第二批加入的省份,其中的發(fā)展由最開始小范圍推廣到現(xiàn)在基本被農(nóng)民接受,小額人身保險(xiǎn)的產(chǎn)品開發(fā),服務(wù)水平以及相應(yīng)之后的核保理賠等都在不斷完善,這期間取得的巨大成就我們都是有目共睹,在發(fā)展過程中,不僅各大保險(xiǎn)公司積極參與,各級(jí)政府也相應(yīng)給予了大力支持,為小額人身保險(xiǎn)的推廣和發(fā)展提供了有力的支持。但在發(fā)展過程中也遇到了諸多問題,例如有效需求不足、有效供給低下,需求和供給的不匹配。由此,本文通過查閱大量文獻(xiàn)和實(shí)地調(diào)研,充分了解位于河北省保定市的農(nóng)村小額人身保險(xiǎn)的發(fā)展現(xiàn)狀,剖析其存在這些問題的原因,同時(shí)借鑒國外的發(fā)展情況及經(jīng)驗(yàn),提出針對(duì)保定市出現(xiàn)的問題給出切實(shí)可行的,令保險(xiǎn)公司和廣大農(nóng)民群體實(shí)現(xiàn)雙贏的解決之道。本文共分五大部分,第一部分介紹了本文的研究背景和研究意義,重點(diǎn)是偏重實(shí)際意義。第二部分主要介紹了我國農(nóng)村小額人身保險(xiǎn)的概念及理論基礎(chǔ),并把它和傳統(tǒng)的保險(xiǎn)做出詳細(xì)比較。第三部分介紹保定市農(nóng)村小額人身保險(xiǎn)的發(fā)展?fàn)顩r,首先整體介紹全國的發(fā)展?fàn)顩r,之后詳細(xì)介紹了筆者做調(diào)查問卷總結(jié)的數(shù)據(jù),并提出在發(fā)展中遇到的問題。第四部分介紹了國外的兩個(gè)國情與我國相似的國家的發(fā)展經(jīng)驗(yàn),即印度和菲律賓。第五部分提出針對(duì)保定市的發(fā)展小額人身保險(xiǎn)的對(duì)策。
[Abstract]:In China, it has been nine years since the initial pilot program in 2008, the pilot Program for Rural Microlife Insurance, was published. Hebei Province, as the second batch of provinces to join, Among them, the development has been extended from a small scale at the beginning to now basically accepted by farmers. The product development, the service level and the corresponding post-insurance claims of small personal insurance have been continuously improved. The tremendous achievements made during this period are obvious to all. In the process of development, not only major insurance companies have been actively involved, but also governments at all levels have given strong support accordingly. It provides strong support for the promotion and development of micro-life insurance. However, in the process of development, there are also many problems, such as insufficient effective demand, low effective supply, mismatch between demand and supply. By consulting a large number of documents and field investigation, this paper fully understands the current situation of the development of rural small personal insurance in Baoding City, Hebei Province, analyzes the reasons for these problems, and draws lessons from the development situation and experience of foreign countries. This paper puts forward a feasible way to solve the problems in Baoding city and makes insurance companies and farmers realize win-win situation. This paper is divided into five parts. The first part introduces the research background and significance of this paper. The second part mainly introduces the concept and theoretical basis of rural micro-personal insurance in China, and compares it with traditional insurance in detail. The third part introduces the development of rural micro-personal insurance in Baoding. First of all, it introduces the development situation of the whole country, then introduces the data summarized by the author in detail, and puts forward the problems encountered in the development. The fourth part introduces the development experience of the two countries with similar national conditions as our country. That is, India and the Philippines. The fifth part puts forward the development of small personal insurance against Baoding City.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F842.62
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本文編號(hào)：1686842