本文選題：農(nóng)村小額保險 + 作用�。� 參考：《中南林業(yè)科技大學(xué)》2013年碩士論文

【摘要】：本文以農(nóng)村小額保險為研究主題,通過對我國農(nóng)村小額保險發(fā)展的歷史與現(xiàn)狀分析,闡述了我國農(nóng)村小額保險發(fā)展存在的問題及成因,并對農(nóng)村小額保險的發(fā)展提出了因應(yīng)對策與建議。 小額保險是一種在成本、期限、承保范圍和供應(yīng)機制等方面適用于低收入市場的風(fēng)險分擔(dān)性產(chǎn)品。目前,世界上有100多個發(fā)展中國家,都在積極探索用小額保險為中低收入人群提供保障服務(wù)的問題。小額保險機制率先被印度、孟加拉國和菲律賓等發(fā)展中國家引入,這些國家根據(jù)其農(nóng)村人口缺乏保險保障的實際情況,以多種形式在農(nóng)村地區(qū)推進小額保險業(yè)務(wù),取得了較快發(fā)展,成為解決農(nóng)村人口基本保障的有效手段,引起了國際保險監(jiān)督官協(xié)會、世界銀行和國際勞工組織的高度關(guān)注。 部分發(fā)展中國家的農(nóng)村狀況和我國有一定的相似性,他們對農(nóng)村小額保險市場的探索和實踐,正好為我國提供了可供借鑒的藍(lán)本。在我國農(nóng)村地區(qū)發(fā)展農(nóng)村小額保險業(yè)務(wù),一方面可以減少財政救災(zāi)支出,另一方面能夠滿足農(nóng)村人口基本的保障需求,減輕養(yǎng)老、醫(yī)療等方面的負(fù)擔(dān)。不僅對建設(shè)社會主義新農(nóng)村、構(gòu)建社會主義和諧社會起到重要的意義,而且對于提高農(nóng)民保障水平、開拓保險市場以及完善農(nóng)村社會保障體系有著至關(guān)重要的作用。當(dāng)然,在我國推廣農(nóng)村小額保險的過程中也出現(xiàn)了一些問題,還需要我們通過實踐不斷探索,尋找出更適合我國農(nóng)村情況的小額保險發(fā)展之路。 目前,我國對農(nóng)村小額保險的研究很多,大都具體劃分為農(nóng)村小額養(yǎng)老保險,農(nóng)村小額醫(yī)療保險等具體類別,本文著重從農(nóng)村小額保險整體的發(fā)展?fàn)顩r和發(fā)展前景來分析目前我國農(nóng)村小額保險的發(fā)展趨勢。同時,從保險公司的農(nóng)村小額保險承保實踐出發(fā),對農(nóng)村小額保險發(fā)展提出了因應(yīng)措施。主要內(nèi)容如下：第一章緒論,提出了農(nóng)村小額保險的概念和發(fā)展意義；第二章為農(nóng)村小額保險的相關(guān)理論介紹。闡述了農(nóng)村小額保險的基本定義和三大內(nèi)涵,以及農(nóng)村小額保險的特征；第三章介紹了小額保險的歷史和發(fā)展現(xiàn)狀,對我國農(nóng)村小額保險的發(fā)展情況進行了闡述；第四章從小額保險的現(xiàn)狀出發(fā),指出了我國農(nóng)村小額保險發(fā)展中存在的一些問題以及這些問題是如何形成的；第五章是對農(nóng)村小額保險的發(fā)展對策和建議；第六章結(jié)論,進一步總結(jié)在我國農(nóng)村小額保險具有廣泛前景,我國農(nóng)村小額保險的發(fā)展還需要多方努力,共同維護。
[Abstract]:By analyzing the history and present situation of the development of rural micro-insurance in China, this paper discusses the problems and causes of the development of rural micro-insurance in China. And put forward countermeasures and suggestions to the development of rural micro-insurance. Micro-insurance is a kind of risk-sharing product suitable for low-income market in cost, duration, coverage and supply mechanism. At present, there are more than 100 developing countries in the world, they are actively exploring the issue of providing security services for middle and low income people with micro-insurance. The micro-insurance mechanism was first introduced by developing countries such as India, Bangladesh and the Philippines. According to the actual situation of the lack of insurance protection for their rural population, these countries promoted micro-insurance business in rural areas in various forms. It has made rapid development and become an effective means to solve the basic security of rural population. It has attracted the attention of the International Association of Insurance Supervisors, the World Bank and the International Labour Organization. Some developing countries' rural conditions are similar to China's. Their exploration and practice of rural micro-insurance market provide a blueprint for our country to use for reference. The development of rural micro-insurance in rural areas in China can, on the one hand, reduce the expenditure of financial disaster relief, on the other hand, it can meet the basic security needs of the rural population and lighten the burden of old-age care, medical treatment and so on. It not only plays an important role in building a new socialist countryside and building a harmonious socialist society, but also plays a vital role in improving the level of farmers' security, opening up the insurance market and perfecting the rural social security system. Of course, there are some problems in the process of popularizing rural micro-insurance in our country, and we still need to explore through practice to find a way to develop micro-insurance which is more suitable for the rural situation of our country. At present, there are a lot of studies on rural micro-insurance in China, most of which are divided into rural micro-old-age insurance, rural micro-medical insurance and other specific categories. This paper analyzes the development trend of rural micro-insurance in China from the point of view of the overall development and prospects of rural micro-insurance. At the same time, based on the rural micro-insurance practice of insurance companies, the development of rural micro-insurance measures are put forward. The main contents are as follows: the first chapter introduces the concept and development significance of rural micro-insurance; the second chapter introduces the theory of rural micro-insurance. This paper expounds the basic definition and three connotations of rural micro-insurance and the characteristics of rural micro-insurance, the third chapter introduces the history and development of micro-insurance, and expounds the development of rural micro-insurance in China. The fourth chapter points out some problems existing in the development of rural micro-insurance in China and how to form these problems; the fifth chapter is the development countermeasures and suggestions for rural micro-insurance; the sixth chapter is the conclusion. The development of rural micro-insurance in our country needs more efforts and joint maintenance.
【學(xué)位授予單位】：中南林業(yè)科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F842.6;F323.89

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本文編號：1869025