湖北省农村小额保险发展情况调查报告

发展农村小额保险是完善农村金融体系的重要手段,政府在农村小额保险的发展中起着非常重要的作用。本文通过对湖北省农村小额保险的开展情况进行调研后发现,我国的小额保险起步晚但发展快,同时也存在投保人保险意识欠缺、开展农村小额保险的成本和风险较高等障碍。发展农村小额保险,需要政府在政策的制定上给予支持,需要监管机构完善监管手段,也需要保险公司加强创新。

Developing rural microinsurance is an important means to improve China＇s rural financial system, The government plays a very important role in promoting the development of microinsurance. Cbina＇s microinsurance was only initiated recently but has been developing rapidly. Meanwhile, the major obstacles of running microinsurance business are the lack of insurance awareness, high costs and risks. The government should provide with certain policy support in order to develop this business, the supervisory body should further enhance its regulatory measures, and insurance companies should strengthen their innovative ability.