国外农村小额保险的发展及对中国的启示

The Development of Rural Micro Insurance in Foreign Countries and its Enlightenment to China

农业生产的特殊性使得传统金融中介对三农的服务能力远远不足,而小额保险是帮助农业生产发展、解决农民融资问题和扶贫的一种有效工具。印度降雨量指数小额贷款和秘鲁海面温度指数小额保险的实践经验比较适合发展中国家农村地区借鉴实施。我国应分析目前国外指数小额保险市场发展所面临的主要问题和挑战,根据国外小额保险项目的试点经验,结合我国国情,在制度框架、服务渠道、产品设计、金融文化、融资方式等方面加大研究和探索,促进我国农村小额保险市场的建设和发展。

Because of the specific characteristics of agricultural production, the ability of traditional financial intermediary serving agriculture is insufficient.Micro insurance is an effective tool to promote agricultural production, solve the financing problems and poverty alleviation. The experience of India＇s rainfall index micro insurance and Peru＇s sea surface temperature index micro insurance are suitable for the development of country of China. We should analyze the main problems and challenges facing the development of index micro insurance market according to the experience of foreign micro insurance pilot projects, we puts forward some suggestion on the institutional framework, delivery channels, product design, financial culture, combinationof different financing modes etc.to promote the construction and development of Rural Micro insurance market in China.