發(fā)布時(shí)間：2018-05-31 02:12

  本文選題：農(nóng)村小額保險(xiǎn) + 政府扶持�。� 參考：《中南林業(yè)科技大學(xué)》2013年碩士論文

【摘要】：農(nóng)村小額保險(xiǎn)是近年來(lái)在部分發(fā)展中國(guó)家興起的一類(lèi)特殊商業(yè)保險(xiǎn),它具有保單通俗易懂、保障基本適度、保費(fèi)低廉惠民、核保理賠簡(jiǎn)便等特點(diǎn)。積極發(fā)展農(nóng)村小額保險(xiǎn),對(duì)構(gòu)建社會(huì)主義和諧新農(nóng)村,完善農(nóng)村社會(huì)保障體系和提升農(nóng)民保障水平均有重要的作用和現(xiàn)實(shí)意義。 本文通過(guò)對(duì)農(nóng)村小額保險(xiǎn)的開(kāi)展背景和取得的成效進(jìn)行了深入分析,借助湖北省農(nóng)村地區(qū)的調(diào)研材料,發(fā)現(xiàn)了農(nóng)村小額保險(xiǎn)在近幾年的發(fā)展中所呈現(xiàn)出的-派欣欣向榮景象,在廣大農(nóng)村地區(qū)的覆蓋面也越來(lái)越廣。同時(shí),也有一些問(wèn)題嶄露頭角,如部分農(nóng)民保險(xiǎn)意識(shí)不足和保險(xiǎn)險(xiǎn)種不能完全滿(mǎn)足市場(chǎng)需求等問(wèn)題。通過(guò)對(duì)相關(guān)資料的分析,總結(jié)出了進(jìn)一步推進(jìn)湖北省農(nóng)村小額保險(xiǎn)的對(duì)策,提出了完善農(nóng)村小額保險(xiǎn)的意見(jiàn)和建議。 本文共分為五個(gè)部分： 第一章為引言。介紹了研究目的和研究意義,回顧了國(guó)內(nèi)外文獻(xiàn),并明確了研究思路和研究方法。 第二章介紹了農(nóng)村小額保險(xiǎn)的基本內(nèi)容。首先明確了小額保險(xiǎn)的概念,并由此界定了農(nóng)村小額保險(xiǎn)的定義；接著對(duì)小額保險(xiǎn)產(chǎn)品分成四類(lèi)：小額人壽保險(xiǎn)、小額健康保險(xiǎn)、小額意外傷害保險(xiǎn)和小額農(nóng)業(yè)和家庭財(cái)產(chǎn)保險(xiǎn)。 第三章回顧了農(nóng)村小額保險(xiǎn)的發(fā)展歷程,分析了其發(fā)展現(xiàn)狀,闡述了發(fā)展過(guò)程中存在的問(wèn)題,以及現(xiàn)有的四種模式的利弊。 第四章結(jié)合湖北省農(nóng)村小額保險(xiǎn)的實(shí)踐案例,提出了數(shù)點(diǎn)完善建議,如加大以產(chǎn)品創(chuàng)新為先導(dǎo),不斷滿(mǎn)足廣大農(nóng)民的現(xiàn)實(shí)需求,以服務(wù)創(chuàng)新為低收入農(nóng)民創(chuàng)造價(jià)值,積極回報(bào)客戶(hù)。 第五章的結(jié)論部分就湖北省農(nóng)村小額保險(xiǎn)的改善提出了如下建議：包括關(guān)注農(nóng)民的主體地位,保證政策的可執(zhí)行性；加強(qiáng)對(duì)農(nóng)村小額保險(xiǎn)的宣傳,營(yíng)造強(qiáng)烈的保險(xiǎn)意識(shí)和氛圍；拓展保險(xiǎn)品種,創(chuàng)新保模式；提高政府的參與度,提升政策和資金的支持力度；創(chuàng)新保險(xiǎn)管理機(jī)制,完善理賠程序。
[Abstract]:Rural micro insurance is a kind of special commercial insurance which has been rising in some developing countries in recent years . It has the characteristics of easy understanding of insurance policies , basic comfort , low premium and easy settlement .

Through the analysis of the background and achievements of the rural micro insurance , the author finds out that the rural micro insurance has appeared in the development of the rural area in recent years .

This paper is divided into five parts :

The first chapter introduces the research purpose and the research significance , reviews the domestic and foreign literatures , and makes clear the research thinking and the research method .

The second chapter introduces the basic contents of rural micro - insurance . Firstly , the concept of micro - insurance is defined , and the definition of rural micro - insurance is defined .
The micro - insurance products are then divided into four categories : micro life insurance , micro health insurance , micro accident insurance and micro agriculture and family property insurance .

Chapter three reviews the development course of rural micro insurance , analyzes its development status , expounds the problems existing in the development process , and the advantages and disadvantages of the existing four modes .

In the fourth chapter , combining with the practice case of rural micro insurance in Hubei province , some suggestions are put forward , such as increasing the product innovation as a leader , constantly meeting the realistic demand of the broad masses of farmers , creating value for low - income farmers with service innovation , and actively rewarding customers .

The conclusion part of the fifth chapter puts forward the following suggestions on the improvement of rural micro insurance in Hubei province , including paying attention to the main status of the farmers and ensuring the enforceability of the policy ;
To strengthen the publicity of rural micro insurance and create a strong sense of insurance and atmosphere ;
Expand insurance varieties and innovate insurance mode ;
( b ) Increase the level of government participation , promote policy and financial support ;
Innovation insurance management mechanism , perfect the settlement procedure .
【學(xué)位授予單位】：中南林業(yè)科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F842.6

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