农村小额人身保险可持续性发展研究

Research on the Sustainable Development in Rural Small Life Insurance

农村小额人身保险自试点以来,在我国形成了一定的规模,取得了一定的成绩,但在发展的过程中也遇到了一些问题,如农村居民的收入低、有效需求不足,保险公司经营成本较高等问题,如果这些问题得不到有效的解决,势必影响农村小额人身保险的持续性发展。在当前我国政府财政能力有限不能对保险公司和农村居民提供补贴的情况下,只有农村居民、保险公司、行业组织、政府互动,才能形成农村小额人身保险共赢的局面。

The rural micro- insurance had formed a considerable scale and achieved some success since its pilot, but some problems also came up, such as low income of ural residents and deficiency of effective demand and higher operating costs, if the problems can＇ t be resolved, sustainable development of rural micro - insurance will be influenced. At the present time, because of deficiency of public finance, our country cann＇ t offer allowance, rural residents, insurance company, industry association and government make a united effort, a winning situation will be formed about sustainable development of rural micro - insurance.