牡丹江市農(nóng)村小額人身保險業(yè)務發(fā)展研究
發(fā)布時間：2019-06-19 03:46
【摘要】：對于小額保險來說，是一種在保險期限、供應機制、保險成本和承保范圍多個方面比較適合低收入市場的風險分擔性的險種。在小額金融中，，農(nóng)村小額人身保險是一個重要內(nèi)容，在一定程度上起到了一定的金融扶貧的作用。通過建立為低收入人群提供保險保障的運行機制，使保險服務和金融服務真正做到普惠性，這是中國保監(jiān)會啟動農(nóng)村人身小額保險的初衷。當前，農(nóng)村小額人身保險在為廣大農(nóng)村人口、特別是低收入農(nóng)民提供風險保障，擺脫因意外傷害、重大疾病致貧和返貧方面起到了顯著效果，對于建設社會主義新農(nóng)村、構(gòu)建社會主義和諧社會意義重大。 鑒于當前國內(nèi)專門針對農(nóng)村小額人身保險業(yè)務的實證研究成果匱乏，本文采用規(guī)范分析與實證分析相結(jié)合的研究方法，對黑龍江省牡丹江市農(nóng)村小額人身保險業(yè)務發(fā)展情況進行系統(tǒng)分析。旨在為保險公司更好地滿足農(nóng)民抵御風險需求、開拓農(nóng)村人身保險市場提供思路，促進農(nóng)村人身保險業(yè)務的快速發(fā)展。 首先，分析了牡丹江市農(nóng)村小額人身保險的發(fā)展現(xiàn)狀及存在的問題。由于地方政府重視、農(nóng)民收入增加、農(nóng)民保險觀念逐漸增強等原因，近年來牡丹江市農(nóng)村小額人身保險因為呈現(xiàn)出發(fā)展速度上是逐年加快、業(yè)務覆蓋面是越來越廣、業(yè)務發(fā)展?jié)摿薮蟮忍攸c。其問題主要表現(xiàn)在農(nóng)民的傳統(tǒng)觀念制約了商業(yè)保險業(yè)務發(fā)展、農(nóng)村居民經(jīng)濟承受能力與需求不匹配、保險產(chǎn)品不適應農(nóng)村居民需要、保險公司營銷策略運用不當、保險公司口碑欠佳等方面。 其次，針對牡丹江農(nóng)村人身保險業(yè)務發(fā)展中存在的問題，借鑒已有研究成果，從改善稅收政策、強化金融管理、提高保險產(chǎn)業(yè)能力等方面有針對性地提出了完善相關(guān)配套政策的建議，并提出了具有可操作性的保險公司的市場開發(fā)策略選擇。
[Abstract]:For microinsurance, it is a kind of risk sharing insurance which is more suitable for low income market in terms of insurance duration, supply mechanism, insurance cost and coverage. In microfinance, rural micro-life insurance is an important content, to a certain extent, played a certain role in financial poverty alleviation. By establishing the operation mechanism of providing insurance protection for low-income people, the insurance service and financial service can really be inclusive, which is the original intention of CIRC to start rural life micro-insurance. At present, rural micro-life insurance has played a significant role in providing risk protection for the vast rural population, especially low-income farmers, getting rid of accidental injury, causing poverty due to major diseases and returning to poverty, which is of great significance to the construction of a new socialist countryside and the construction of a harmonious socialist society. In view of the lack of empirical research results specifically aimed at rural micro-life insurance business in China, this paper uses the combination of normative analysis and empirical analysis to systematically analyze the development of rural micro-life insurance business in Mudanjiang City, Heilongjiang Province. The purpose of this paper is to provide ideas for insurance companies to better meet the needs of farmers to resist risks, to open up the rural life insurance market, and to promote the rapid development of rural life insurance business. First of all, this paper analyzes the development status and existing problems of rural micro-life insurance in Mudanjiang City. Due to the importance attached by the local government, the increase of farmers' income and the gradual enhancement of the concept of farmers' insurance, in recent years, the rural small life insurance in Mudanjiang City has been accelerated year by year, the business coverage is more and more extensive, the business development potential is huge and so on. The main problems are as follows: the traditional concept of farmers restricts the development of commercial insurance business, the economic affordability and demand of rural residents do not match, the insurance products do not meet the needs of rural residents, the marketing strategy of insurance companies is not used improperly, and the reputation of insurance companies is not good. Secondly, in view of the problems existing in the development of Mudanjiang rural life insurance business, drawing lessons from the existing research results, this paper puts forward some suggestions for perfecting the relevant supporting policies from the aspects of improving tax policy, strengthening financial management and improving the ability of insurance industry, and puts forward some operable market development strategy choices of insurance companies.
【學位授予單位】：吉林大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F842.7
本文編號：2502055
[Abstract]:For microinsurance, it is a kind of risk sharing insurance which is more suitable for low income market in terms of insurance duration, supply mechanism, insurance cost and coverage. In microfinance, rural micro-life insurance is an important content, to a certain extent, played a certain role in financial poverty alleviation. By establishing the operation mechanism of providing insurance protection for low-income people, the insurance service and financial service can really be inclusive, which is the original intention of CIRC to start rural life micro-insurance. At present, rural micro-life insurance has played a significant role in providing risk protection for the vast rural population, especially low-income farmers, getting rid of accidental injury, causing poverty due to major diseases and returning to poverty, which is of great significance to the construction of a new socialist countryside and the construction of a harmonious socialist society. In view of the lack of empirical research results specifically aimed at rural micro-life insurance business in China, this paper uses the combination of normative analysis and empirical analysis to systematically analyze the development of rural micro-life insurance business in Mudanjiang City, Heilongjiang Province. The purpose of this paper is to provide ideas for insurance companies to better meet the needs of farmers to resist risks, to open up the rural life insurance market, and to promote the rapid development of rural life insurance business. First of all, this paper analyzes the development status and existing problems of rural micro-life insurance in Mudanjiang City. Due to the importance attached by the local government, the increase of farmers' income and the gradual enhancement of the concept of farmers' insurance, in recent years, the rural small life insurance in Mudanjiang City has been accelerated year by year, the business coverage is more and more extensive, the business development potential is huge and so on. The main problems are as follows: the traditional concept of farmers restricts the development of commercial insurance business, the economic affordability and demand of rural residents do not match, the insurance products do not meet the needs of rural residents, the marketing strategy of insurance companies is not used improperly, and the reputation of insurance companies is not good. Secondly, in view of the problems existing in the development of Mudanjiang rural life insurance business, drawing lessons from the existing research results, this paper puts forward some suggestions for perfecting the relevant supporting policies from the aspects of improving tax policy, strengthening financial management and improving the ability of insurance industry, and puts forward some operable market development strategy choices of insurance companies.
【學位授予單位】：吉林大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F842.7
【參考文獻】
相關(guān)期刊論文 前10條
1 張偉紅;;我國保險銷售渠道建設探析[J];保險研究;2008年03期
2 趙阿興;葉楠;;我國農(nóng)村小額保險經(jīng)營模式的利弊分析[J];保險研究;2008年08期
3 粟榆;李瓊;李池威;;我國農(nóng)村小額人身保險運行回顧與評價[J];保險研究;2010年12期
4 郭麗軍;;論低收入人群的風險需求與小額保險供給模式選擇[J];財政研究;2009年06期
5 孫健;申曙光;;國外小額保險的理論及實踐分析[J];南方金融;2007年07期
6 杜繼勇;趙麗娟;許志平;;高職《人身保險業(yè)務》課程項目化教學改革與實踐[J];邯鄲職業(yè)技術(shù)學院學報;2011年02期
7 杜朝運;畢柳;;農(nóng)村小額人身保險供求分析與協(xié)同發(fā)展[J];福建金融管理干部學院學報;2010年02期
8 徐淑芳;彭華;;小額保險經(jīng)營模式研究[J];金融理論與實踐;2008年10期
9 劉萬;;國際小額保險模式問題研究[J];金融理論與實踐;2008年12期
10 馬新;周濤;;團體健康險直付理賠服務模式初探[J];金融理論與實踐;2011年07期
本文編號：2502055
本文鏈接：http://sikaile.net/jingjilunwen/bxjjlw/2502055.html
最近更新
教材專著
