我国农村家族养老保障与制度创新的可行性选择——以河南省潢川县何营村为例

Feasible Option for Old-age Secunty and System Innovation in Rural China

在城市保险市场竞争越来越激烈的情况下,一些保险公司已经把注意力转移到农村市场。然而,到目前为止,农村保险市场发展仍然缓慢,其市场有效需求明显不足,其中一个重要的原因就是农村家族养老在现阶段还占有很重要的地位,造成这种现象的更深层次原因是农村人力资本缺乏改善。试图通过对何营村的调查以及家族保险所占重要地位的分析,对这一深层次原因进行揭示,并提出可行性的解决对策。

Under the fiercer and fiercer insurance market competition in the city,some insurance companies have transferred their attention to rural market.However,so far,The rural insurance still sees a slow development,The market＇s valid need is obviously not enough,one of the important reasons is that the family still plays an important role in supporting the old people,and the deeper reason lies in the lack of improvement in rural human capital.The article tries to investigate Heying village and analyze the importance of family insurance,then expose its deeper reasons,and at last put forward the possible solutions.