我国小额保险发展研究文献述评——以地方性研究为侧重点

A Literature Review On the Development of the Microinsurance in China

国外对小额保险的研究主要是从外部性、需求群体,小额保险如何才能获得成功等方面展开讨论,但国外学者对中国小额保险研究力度稍显不够。国内学者主要从小额保险存在的价值,制约中国小额保险发展的因素和如何发展中国小额保险方面展开的研究。同时,国内研究还着眼于各地实际,进行了很多的调查分析研究,但仍有部分省份如福建省的具体研究缺位。在方法上,国内学者以定性研究居多,定量分析和调查研究分析应当获得更多的关注。

Foreign researchers on the microinsurance mainly focus on the externality, groups, how the microinsurance can succeed, however, it seems that they lack the energy to make research on China. Domestic studies are largely on the existing value of microinsurance, the factors which hinder the development of microinsurance in China and how microinsurance can moves forward. Meanwhile, researchers make investigations on Chinese different regions. But the researches on FuJian province is still empty. As for research method, qualitative researches are efficient while quantitative ones and investigations should be paid more attention.