本文選題：農(nóng)村小額保險(xiǎn) + 需求　； 參考：《中南林業(yè)科技大學(xué)》2015年碩士論文

【摘要】：我國(guó)是一個(gè)農(nóng)村人口數(shù)量巨大的國(guó)家,因此發(fā)展農(nóng)村經(jīng)濟(jì)是當(dāng)前整個(gè)國(guó)民經(jīng)濟(jì)發(fā)展中的重大之課題。從新農(nóng)村建設(shè)的大環(huán)境來(lái)看,要解決我國(guó)的“三農(nóng)”問(wèn)題,其實(shí)核心就在于要發(fā)展農(nóng)村經(jīng)濟(jì),而這離不開農(nóng)村金融體系的完善和金融體制持續(xù)的改革。農(nóng)村小額保險(xiǎn)是專門針對(duì)廣大低收入農(nóng)民的消費(fèi)能力、特定風(fēng)險(xiǎn)設(shè)計(jì)的一種保險(xiǎn),是由政府組織推動(dòng)、保險(xiǎn)公司或其他金融機(jī)構(gòu)具體經(jīng)辦的一種具有公益性和商業(yè)性兩面性的保險(xiǎn)類別,由于其能有效地提高我國(guó)農(nóng)村大量低收入家庭的保障水平,所以可以說(shuō)是一種惠民保險(xiǎn),是服務(wù)“三農(nóng)”的重要手段,也是解決“三農(nóng)”問(wèn)題中農(nóng)村金融體系改革的重要環(huán)節(jié),所以也可以說(shuō)是建設(shè)和諧社會(huì)和社會(huì)主義新農(nóng)村的重要舉措。本文首先通過(guò)查閱大量文獻(xiàn)資料后,在總結(jié)前人研究成果的基礎(chǔ)上對(duì)農(nóng)村小額保險(xiǎn)方面的各相關(guān)理論進(jìn)行了較為系統(tǒng)的概述；其次本文作者及研究團(tuán)隊(duì)以湖南多個(gè)農(nóng)村為樣本做了隨機(jī)的問(wèn)卷調(diào)查及訪談,就湖南農(nóng)村小額保險(xiǎn)市場(chǎng)現(xiàn)狀做了研究分析；第三,在得到一手?jǐn)?shù)據(jù)的基礎(chǔ)上,作者重點(diǎn)對(duì)影響湖南農(nóng)村小額保險(xiǎn)需求的各種因素作了深入的實(shí)證分析；最后,在分析結(jié)論的基礎(chǔ)上就湖南發(fā)展農(nóng)村小額保險(xiǎn)市場(chǎng)的途徑進(jìn)行了有益探索,拓展了一些相關(guān)理論的實(shí)踐范疇,同時(shí)對(duì)政府和各類涉農(nóng)保險(xiǎn)的金融機(jī)構(gòu)提供了一些對(duì)策及建議。多方面原因?qū)е铝宿r(nóng)村保險(xiǎn)市場(chǎng)發(fā)展較滯后,而農(nóng)村小額保險(xiǎn)順應(yīng)農(nóng)村保險(xiǎn)需求應(yīng)運(yùn)而生的,其各方面的發(fā)展也還在探索之中,本文以需求影響因素入手探討,以期為農(nóng)村金融體系改革及新農(nóng)村建設(shè)提供一些有意義的理論及實(shí)踐參考。
[Abstract]:China is a country with large rural population, so the development of rural economy is an important subject in the development of the whole national economy. From the view of the new rural construction environment, to solve the "three rural" problem, the core lies in the development of rural economy, which can not be separated from the perfection of the rural financial system and the continuous reform of the financial system. Rural micro-insurance is a kind of insurance designed specifically for the consumption ability of the vast number of low-income farmers and a specific risk. It is promoted by government organizations. Insurance companies or other financial institutions have a kind of public welfare and commercial insurance which can effectively improve the security level of a large number of low-income families in rural areas in our country, so it can be said to be a kind of insurance for the benefit of the people. It is an important means to serve the "three rural areas" and an important link to solve the problem of rural financial system reform, so it can also be said to be an important measure to build a harmonious society and a new socialist countryside. Firstly, after consulting a lot of literature, this paper summarizes the related theories of rural micro-insurance on the basis of summarizing the previous research results. Secondly, the author and the research team made a random questionnaire survey and interviews with a number of rural areas in Hunan Province, and analyzed the current situation of the rural micro-insurance market in Hunan. Thirdly, on the basis of obtaining primary data, The author focuses on the factors affecting the demand for rural micro-insurance in Hunan Province, and finally, on the basis of the conclusions of the analysis, the author makes a beneficial exploration on the ways to develop the rural micro-insurance market in Hunan. This paper extends the practical scope of some related theories, and provides some countermeasures and suggestions to the government and various financial institutions concerned with agricultural insurance at the same time. The development of rural insurance market is lagging behind for many reasons, and the rural micro-insurance has come into being in accordance with the demand of rural insurance, and its development in all aspects is still under exploration. In order to provide some meaningful theoretical and practical reference for rural financial system reform and new rural construction.
【學(xué)位授予單位】：中南林業(yè)科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F842

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