摘要
从小额保险商业性与社会公益性的双重特征出发,通过对微型金融机构、一般的非政府组织、商业保险公司这三大承保机构的经营特征加以分析,阐述小额保险不同经营主体差异化的经营动机及各主体内在的局限性,从而提出相应的协调互补发展策略,并为促进小额保险在我国健康可持续的发展提出建议。
Based on the dual feature of micro-insurance as commercial activities and public welfare activities, this paper emphasizes the properties of three main operators, namely, micro-financial institutions, non-government organizations and commercial insurance companies, in underwriting micro-insurance concerning their different incentives and inherent limitations, which naturally leads to the strategies of coordinating despite the limitations. Grounded on this analysis, some useful proposals are put forward on promoting the micro-insurance＇s sustainable development in China.
关键词
小额保险
经营主体
利益博弈
持续发展
Micro-insurance
operating bodies
interest games
sustainable development
