乌克兰小额保险市场需求和发展思路

处于经济转型时期的乌克兰社会保障明显不足,应对风险的机制种类很少,为小额保险的应用和推广提供了可能性。由于人们不太信任保险公司,缺乏购买欲望,推广小额保险还有一定难度。为推动小额保险发展,乌克兰保险公司除了进行产品的革新和推广外,还根据低收入家庭的收入状况、购买意愿等,把全国的小额保险市场划分为三个区域,并根据每个区域的不同特点,采取不同的市场开发策略。这一思路对我国下一步发展农村小额保险,具有一定的借鉴意义。

There is the obvious shortage of social security in Ukraine whose economy is been transformed. There are limited options of risk control tools, which makes it possible for the rolling out of micro-insurance there. Due to people＇ s lack of trust in insurance companies, the attraction of insurance products is limited, therefore there should be certain level of difficulty in promoting micro-insurance. As a reaction to this challenge, Ukraine insurance companies segmented the national micro-insurance market into 3 areas according to income level, willingness of insurance purchase and other factors, in addition to product innovation and promotion, and execute different market development strategies accordingly. This experience is of reference value to China in our development of micro-insurance in rural areas.