构建以小额保险为核心的新农村风险管理体系

Micro-insurance-at the Heart of New Rural Risk Management System

新农村建设的核心是促进农村经济发展,而有效的农村金融体系是农村经济发展的重要特征和基础条件。近年来,一些发展中国家以完善农村风险管理体系为核心发展农村金融,在促进增长、减轻贫困等方面取得了显著成效,其中小额保险发挥了巨大的作用。借鉴这些经验,构建以小额保险为核心的新农村风险管理体系,是促进农村经济发展和加快我国新农村建设的有效途径。

It＇s the major task to enhance the developing level of rural economic in new rural, and an efficient rural financial system is important to rural economic growth. Some developing economics regarded risk management as the heart of rural financial system recently, and achieved significant in poverty reduction and enhancing growth. Micro-insurance was the most frequently tool in this process. Using for reference to this, it＇s a feasible alternative to develop micro-insurance and form new rural risk management system, thus to enhance rural economic growth and accelerate ehina＇s new rural development.