江苏农村保险低碳经营的调查分析与对策探讨  

The Investigation and Analysis of Jiangsu Rural Insurance’s Low-carbon Management

作　　者：刘玉焕[1] 陈蔚[1] 孙秋云 严意汝 黄树鹏 贾舒 朱艺叶 汪凌云 李源 祁磊 周晓威 曹沐 徐小换 

机构地区：[1]南京审计学院,江苏南京211815

出　　处：《区域金融研究》2010年第11期66-70,共5页Journal of Regional Financial Research

摘　　要：通过实地调查,发现江苏农村保险经营在人力、物力、财力方面高碳现象严重:人身保险产品大量闲置,巨大的潜在保险需求被忽视;农村偏远,经营成本高,保险资源有待整合;保险营销队伍老化,产能不高;农业保险骗保现象严重,增加了不必要的赔付支出,是保险资源的浪费。建议江苏险企据农民需求设计保险产品,提高展业和理赔效率;建议江苏政府引导保险资源向农村倾斜,并给予渠道和资金支持。According to the investigation in Jiangsu rural areas,we found the management of insurance industry is high-carbon in terms of labor、 material resources and finance.Large numbers of life insurance products were set aside,which led to the overlook of huge insurance demand.Insurance resources need to be integrated since the rural areas were far away and the operating costs were very high.The insurance productivity was too low because of the aging problem of insurance agent market,etc.Jiangsu insurance companies should improve the efficiency of promotion and claims.Jiangsu government should incline insurance resources to the rural areas and give some channel enablement and financial support.

关 键 词：低碳经济 低碳保险 农村人身保险 农业保险 

分 类 号：F840.66[经济管理—保险]