摘要
2008年,中国保监会颁布《农村小额人身保险试点方案》,标志着酝酿已久的农村小额人身保险试点工作启动。两年多来,农村小额人身保险为农村低收入居民提供了切实有效的风险保障。本文分析了我国小额人身保险产生的原因,认为小额人身保险是政府及监管部门倡导、推动和支持的结果,阐述了两年多来小额人身保险试点取得的成效以及需进一步完善之处,最后就农村小额人身保险的可持续发展路径提出了建设性的政策建议。
China Insurance Regulatory Commission issued ＂The Pilot Plan for Rural Micro-Personal Life Insurance＂ in 2008, signaling the formal launch of the long-awaited pilot of rural micro-personal life insurance. The micro-insurance plan has offered effective protection against various risks for rural residents in the past 2 years. On analyzing the causes for micro-insurance＇s adoption in China, the paper arrived at the conclusion that the advent of micro-insurance was the result of the government and insurance regulator＇s advocacy, promotion and support. It introduced the achievements in the two-year pilot period and pointed out necessary improvements to be done, and offered some suggestions on policies to be taken to achieve sustainable development of rural micro-insurance.
出处
《保险研究》
北大核心
2010年第12期18-23,共6页
Insurance Studies
