本文選題：小額保險(xiǎn) + 低收入群體��； 參考：《廣西大學(xué)》2014年碩士論文

【摘要】：從改革開放之后,我國(guó)國(guó)民經(jīng)濟(jì)取得了極大的發(fā)展,全國(guó)基本上達(dá)到了小康的水平,標(biāo)志著我國(guó)的大部分人口已經(jīng)擺脫了貧困狀態(tài)。但是值得注意的是,我國(guó)實(shí)現(xiàn)的小康水平和世界上其他國(guó)家還有著較大的差距,我國(guó)面臨著收入差距過高,整體收入過低,物價(jià)上漲過快等諸多問題。這些問題也對(duì)于我國(guó)經(jīng)濟(jì)的發(fā)展造成了較大的阻礙。 保險(xiǎn)業(yè)作為金融業(yè)中的重要組成部分,一直在國(guó)民經(jīng)濟(jì)中起著重要作用。但是低收入人群由于收入低,風(fēng)險(xiǎn)較高,以往不被保險(xiǎn)公司作為主要的服務(wù)對(duì)象,這部分人的風(fēng)險(xiǎn)管理成為了一個(gè)難題。小額保險(xiǎn)的出現(xiàn)為解決低收入人群無險(xiǎn)可保的局面提供了一種解決途徑。因而小額保險(xiǎn)開始被世界各國(guó)政府及相關(guān)組織所關(guān)注,并被認(rèn)為是一種極具前途的扶貧手段。 本文主要采用對(duì)比研究的方式,對(duì)于國(guó)內(nèi)外小額保險(xiǎn)的發(fā)展過程與現(xiàn)狀進(jìn)行了研究,著重研究了小額保險(xiǎn)在不同環(huán)境下產(chǎn)生的原因和發(fā)展的方向,在此基礎(chǔ)之上探討我國(guó)小額保險(xiǎn)的未來發(fā)展方向。 本文一共分為五個(gè)部分,具體的內(nèi)容如下： 在第一章中,首先介紹了本文的研究背景和研究目的,并且主要對(duì)于小額保險(xiǎn)的國(guó)內(nèi)外研究現(xiàn)狀進(jìn)行了闡述 第二章首先研究了小額保險(xiǎn)的本質(zhì),對(duì)于小額保險(xiǎn)的性質(zhì)與內(nèi)容作出解釋。其次,闡述了小額保險(xiǎn)風(fēng)險(xiǎn)理論,解釋了小額保險(xiǎn)的主要風(fēng)險(xiǎn)。之后,對(duì)小額保險(xiǎn)的供需進(jìn)行分析,探討小額保險(xiǎn)的實(shí)際需求。最后,介紹了對(duì)于小額保險(xiǎn)發(fā)展影響較大的金字塔底部理論。 第三章主要研究了小額保險(xiǎn)在我國(guó)的發(fā)展背景、產(chǎn)品的發(fā)展情況和政策監(jiān)管狀況,分析了我國(guó)小額保險(xiǎn)目前的不足之處。并且對(duì)于國(guó)內(nèi)小額保險(xiǎn)的需求量進(jìn)行了實(shí)證分析,估測(cè)了小額保險(xiǎn)的最大可承受保費(fèi)。最后,本章還涉及了對(duì)于我國(guó)臺(tái)灣地區(qū)小額保險(xiǎn)發(fā)展的研究,為未來的發(fā)展提供了參考。 第四章中主要針對(duì)國(guó)外小額保險(xiǎn)的不同發(fā)展情況對(duì)三個(gè)國(guó)家進(jìn)行案例研究,針對(duì)印度,巴西,南非的小額保險(xiǎn)發(fā)展情況,產(chǎn)品,監(jiān)管問題分別做出了一定的研究。通過研究國(guó)外案例與國(guó)內(nèi)研究形成對(duì)比,為我國(guó)小額保險(xiǎn)的進(jìn)一步發(fā)展做出參考。 第五章,主要為我國(guó)小額保險(xiǎn)的未來發(fā)展提供政策建議,從市場(chǎng)主體,產(chǎn)品策略,監(jiān)管改革,宣傳等方面指出我國(guó)小額保險(xiǎn)的未來發(fā)展獻(xiàn)計(jì)獻(xiàn)策。
[Abstract]:Since the reform and opening up, China's national economy has made great progress, the country has basically reached a well-off level, indicating that most of our population has been lifted out of poverty. But it is worth noting that there is still a big gap between the well-off level of our country and other countries in the world. Our country is faced with many problems such as the income gap is too high, the whole income is too low, the price rises too fast and so on. These problems have also caused great hindrance to the economic development of our country. Insurance industry as an important part of the financial industry, has been playing an important role in the national economy. However, because of the low income and high risk, the low income group is not regarded as the main service object by the insurance company in the past, the risk management of this part of the people has become a difficult problem. The emergence of micro-insurance provides a way to solve the problem of low-income people without insurance. Therefore, micro-insurance has been concerned by governments and related organizations all over the world, and is regarded as a promising means of poverty alleviation. This article mainly adopts the contrast research method, has carried on the research to the domestic and foreign microinsurance development process and the present situation, has emphatically studied the microinsurance under the different environment the reason and the development direction, On this basis, this paper discusses the future direction of microinsurance in China. This paper is divided into five parts, the specific contents are as follows: In the first chapter, the research background and purpose of this paper are introduced, and the current research situation of micro-insurance at home and abroad is expounded. The second chapter first studies the nature of microinsurance and explains the nature and content of microinsurance. Secondly, it expounds the theory of micro-insurance risk and explains the main risks of micro-insurance. After that, the supply and demand of micro-insurance are analyzed, and the actual demand of micro-insurance is discussed. Finally, it introduces the pyramid bottom theory which has great influence on the development of micro insurance. The third chapter mainly studies the development background, product development and policy supervision of micro-insurance in China, and analyzes the current deficiencies of micro-insurance in China. And the demand of domestic micro-insurance is analyzed empirically, and the maximum affordable premium of micro-insurance is estimated. Finally, this chapter also involves the research on the development of micro-insurance in Taiwan, which provides a reference for the future development. The fourth chapter mainly focuses on the different development of foreign micro-insurance case studies in three countries, to India, Brazil, South Africa on the development of micro-insurance, products, regulatory issues made a certain degree of research. Through the study of foreign cases and domestic research to form a contrast for the further development of micro-insurance in China to make a reference. The fifth chapter provides policy advice for the future development of micro-insurance in China, and points out some suggestions on the future development of micro-insurance in China from the aspects of market main body, product strategy, supervision reform, propaganda and so on.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.6

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