甘肃省农村小额人身保险发展现状、问题及其路径选择

The Status Quo,Problems and Path Selection of Rural Micro Life Insurance in Gansu Province

农村小额人身保险具有保费额度小、保障适度、保单通俗、核保理赔简单等特点,主要服务于农村的低收入群体,是我国小额金融的重要组成部分,也是一种有效的金融扶贫手段。本文在分析甘肃小额人身保险试点现状的基础上,剖析了制约其发展的问题和障碍,探讨了小额人身保险健康发展的路径选择。

The rural micro life insurance features small amount of premium, moderate security, easily understanding policy, and convenient claims. It mainly services those with low income in rural areas, acting as an important part of China＇s microfinance, and an effective means of financial poverty alleviation. On the basis of describing the present situation of micro life insurance pilot program in Gansu, the paper analyses the problems and obstacles which restrict the development of micro life insurance, and selects appropriate path for healthy micro life insurance development.