专题论文-小额保险推广的见解..docVIP

苏州大学商学院 在职研究生专题论文 题目： 小额保险推广的见解 姓名： 不详 班级: 09金融 专业： 金融学 课程教师： 二0一0 年 十一 月小额保险推广的见解 【摘 要】随着我国市场经济的不断深入，保险业已成为社会经济发展中不可或缺的一大金融支柱。然后由于改革开放以来，过度地追求商业性、盈利性，一定程度上使得保险业完全偏向于中高端市场，而恰恰忽略了更需要转移风险的弱势群体，使得保险业一方面不符合和谐社会的理念，另一方面亦无法在更广的市场领域推广。随着2002年国际上首次提出针对贫困人群的小额保险业务，我国保险业也于2006年开始与国际接轨，通过个别寿险公司，在部分地区进行试点推广。本文基于当今国内外发展形势，通过纵向分析、横向比较的方法，阐述我国当前小额保险业务，尤其是农村地区，与农业信贷结合发展的现状及问题，并提出不同的见解与建议。 【关键词】保险业；小额保险；农业信贷 Insights of promoting the Micro-insurance Abstract: Along with the deepening of Chinas market economy, insurance has become an integral part of a major financial aspect in social and economic development. Since then the reform and opening up, excessive pursuit of commercial, profit-making, to some extent makes the insurance industry completely biased in favor of high-end market, and just ignore the need to transfer the risk of more vulnerable groups, making the insurance industry not only meet the harmonious society philosophy, but also won’t be able to promote in the broader markets. As first proposed in 2002 for the international micro-insurance business for poor people, Chinas insurance industry also began in 2006 with international standards, through individual life insurance companies, to promote pilot projects in some areas. Based on the current development situation at domestic and international, through the vertical analysis, horizontal comparison method, described Chinas current micro-insurance business, especially in rural areas, combined with the development of agricultural credit situation and problems and put forward different views and suggestions. Key words: Insurance; Micro-insurance; Agricultural credit. 目 录 摘要…………………………………………………………………………………...ii Abstract……………………………………………………………………………….iii 引言……………………………………………………………………………………1 一、文献回顾及理论基础……………………………………………………………2 （一）理论基础……………………………………………………………………….2 （二）国际范围内推广的必要性………