我国的农村小额人身保险需求和供给分析.pdfVIP

2012 China International Conference on Insurance and Risk Management July 18-21, 2012 Qingdao China Analysis on the Demands and Supplies of Rural Micro-Life Insurance in China CHEN Zhichu Schools of economics,Tianjin University of Finance and Economics,Tianjin,China,300000 Abstract: Rural micro life insurance is an affordable insurance for rural low -income groups. The development of the insurance offer government a financial method which, by using the market mechanism, can strengthen the economic security of the low-income groups. The supply of rural micro-insurance helps, to enhance self-protection ability of the low-income groups, to build and improve a harmonious social security mechanism, to improve the rural financial system. This is the purpose of our study. The essay can be divided into four parts. Part Ⅰ,we introduce the domestic and international research literature and the development of Chinese rural micro insurance. We evaluate the research result from the demand factors and empirical survey analysis、mode of operation 、external environment construction. We also give a description to the try outs and development status of rural micro life insurance. Part Ⅱ, Analysis on the demands of micro life insurance. We analysis the demand factors of micro life insurance by using the social questionnaire and quantitative method. We got 453 questionnaire from the farmers of shandong, hebei and tianjin county. Data processing results show that there is disparity between the potential demand and the real demand.Then we use the Logistic regression to examine whether the factor like the level of income, age, educational level, whether