發(fā)布時(shí)間：2018-07-29 07:22

【摘要】：長尾理論是指在供給和流通渠道足夠大時(shí),既往需求不旺或銷量不佳的產(chǎn)品也會(huì)占據(jù)更大的市場份額。 小額保險(xiǎn)是一類面向低收入人群提供的保險(xiǎn)產(chǎn)品的總稱,具有保費(fèi)低廉、保障適度、保單通俗、核保理賠簡單等特點(diǎn),是小額金融的重要組成部分,也是一種有效的金融扶貧手段。小額人身保險(xiǎn)可以分為小額人壽保險(xiǎn)、小額健康保險(xiǎn)、小額意外保險(xiǎn)等。小額人身保險(xiǎn)為廣大農(nóng)村人口、特別是低收入農(nóng)民提供風(fēng)險(xiǎn)保障,起到擺脫因意外、疾病致貧和返貧等作用。發(fā)展農(nóng)村小額保險(xiǎn)業(yè)務(wù),可以幫助農(nóng)村社會(huì)弱勢群體規(guī)避某些特定風(fēng)險(xiǎn),特別是重大疾病開支、意外身故、傷殘危及基本生活的風(fēng)險(xiǎn),對新農(nóng)村建設(shè)意義重大,而且有利于提高農(nóng)民保障水平、開拓農(nóng)村保險(xiǎn)市場。 本文首先對長尾理論和小額保險(xiǎn)進(jìn)行概述,分析小額人身保險(xiǎn)的長尾特性,還應(yīng)用長尾理論對農(nóng)村小額人身保險(xiǎn)進(jìn)行PEST、SWOT分析。 我國的農(nóng)村小額人身保險(xiǎn)在中國保監(jiān)會(huì)的推動(dòng)下,從2008年試點(diǎn)推廣,摸索出了商業(yè)保險(xiǎn)經(jīng)營模式、政府參與的半商業(yè)經(jīng)營模式、多主體合作模式和小額信貸合作代理模式的多模式共同發(fā)展之路,然后介紹中國人壽試點(diǎn)農(nóng)村小額保險(xiǎn)的工作經(jīng)驗(yàn)和發(fā)展思路。本文最后應(yīng)用長尾理論提出發(fā)展我國發(fā)展農(nóng)村小額人身保險(xiǎn)的對策。
[Abstract]:Long tail theory means that when the supply and circulation channels are large enough, the products with low demand or poor sales will occupy a larger market share. Micro-insurance is a kind of insurance products for low-income people. It has the characteristics of low premium, moderate security, popular insurance policies, simple insurance claims and so on. It is an important part of microfinance. It is also an effective means of financial poverty alleviation. Small personal insurance can be divided into small life insurance, small health insurance, small accident insurance and so on. Small personal insurance provides risk protection for the rural population, especially low-income farmers, and helps to get rid of accidents, diseases, poverty and return to poverty. The development of rural micro-insurance business can help the disadvantaged groups of rural society to avoid certain specific risks, especially the expenditure of major diseases, accidental death, disability and the risk of endangering basic life, which is of great significance to the construction of a new rural area. And is advantageous to raise farmer safeguard level, open up rural insurance market. This paper first summarizes the long-tail theory and micro-insurance, analyzes the long-tail characteristics of micro-life insurance, and applies the long-tail theory to analyze the rural micro-personal insurance by PEST-SWOT. Driven by the China Insurance Regulatory Commission, the rural small personal insurance industry in our country has explored the commercial insurance business model and the semi-commercial business model in which the government participated from the pilot promotion in 2008. The multi-agent cooperative mode and the multi-mode co-agent mode of micro-credit cooperation develop together, and then introduce the working experience and development ideas of China Life Insurance pilot rural micro-insurance. In the end, the author puts forward some countermeasures for the development of small personal insurance in rural areas by using long tail theory.
【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】：F323.89;F842.62

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本文編號：2151939