对我国农村小额再保险机制建设的思考  

A reflection on the construction of rural micro-reinsurance mechanism in China

作　　者：李喜梅[1] 郭颂平[1] 

机构地区：[1]广东金融学院,广东广州510521

出　　处：《保险研究》2009年第11期91-95,共5页Insurance Studies

基　　金：中国博士后基金项目(20080431263);广东省哲学社会科学"十一五"规划2007年度项目"(07E13);2007年广东省科技计划项目(2007B06040035)的阶段性成果

摘　　要：小额保险为发展农村小额信贷、满足农村资金需求提供了保障。然而,承办农村小额保险的公司却无法承受农业经济发展中天然的高风险,小额再保险在农村的实施势在必行。本文分析了我国农村引入小额再保险的重要意义,指出当前我国小额再保险发展面临的障碍,并提出了小额再保险建设的具体建议。The micro-insurance has provided a guarantee for the development of rural micro-credit and meeting the capital needs in rural areas. However, due to the natural high-risks involved, microinsurance companies are unable to bear all the risks in agricultural development. Therefore, it is imperative to introduce the micro-reinsurance mechanism to rural areas. This paper analyzed the importance of micro-reinsurance, the obstacles faced by development of micro-reinsurance in China, and proposed some suggestions for the operation of micro-insurance in China.

关 键 词：小额保险 再保险 基金 制度 

分 类 号：F840.66[经济管理—保险]