商业保险公司开拓农村小额保险市场的动因与发展模式研究  

Study on the Causes and Development Model of Commercial Insurance Company Exploiting Rural Micro-Insurance Market

作　　者：刘璐[1] 

机构地区：[1]东北财经大学应用金融研究中心,辽宁大连116025

出　　处：《石家庄经济学院学报》2009年第4期47-51,共5页Journal of Shijiazhuang University of Economics

基　　金：国家自然科学基金(项目批准号70801010);辽宁省教育厅人文社科项目(项目批准号2009A241)

摘　　要：小额保险是为中低收入人群提供保障的一种保险,是一种市场化的金融扶贫手段,旨在帮助农村中低收入人群规避早亡、意外、疾病等风险。我国低收入群体中绝大多数是农民,因此,发展小额保险对解决低收入农民的基本保障意义重大。近年来,小额保险不仅受到各国政府的关注,一些商业保险公司也把小额保险作为一块巨大的新兴市场而积极参与。本文分析了商业保险公司进入农村小额保险市场的原因以及可能面临的障碍和挑战,进而提出我国商业保险公司开拓农村小额保险的对策,包括选择合适的经营模式、开发满足低收入农民需求的保险产品、简化承保和理赔流程设计以及采取多种措施进行消费者教育等。Microinsruance is the protection of low-income people against specific perils. It is an effective way to eliminate poverty. Most of the low-income people in China are in rural areas, and it is great importance to develop micminsurance to provide protection for them. In recent years, many developing countries have draw great attention to it, and a lot of commercial insurers are beginning to become interested in serving the low-income market by providing microinsurance. This article analyzes the reasons why commercial insurers enter into rural microinsurance market and the challenges that commercial insurers may face. Finally, the article provides some measures that the commercial insurers can take to exploit the segment of market, including selecting proper operation model, developing products that can meet the needs of low-income people, simplifying the flow of underwriting and claiming, and educating the consumers.

关 键 词：农村金融 小额保险 商业保险 市场细分 

分 类 号：F840[经济管理—保险]