农村小额保险调查与思考——以河北省为例.pdfVIP

安徽农业科学，Joumal ()f Anhui A酬. Sci. 2010 ， 38(33):19200 什9202 责任编精徐丽华资任校对卢篇 农村小额保险调查与思考一一以河北省为例 五卫国，凌源，李位 (河北农业大学，河北保定 m∞1) 摘要 在调查研究的基础上，介绍了河北省农村小额保险的开展情况，表明其具有以下特点:发展迅速;试点品种和试点区域不断扩大; 服务经济社会发展的能力不断提升;小额保险与小领馆贷相结合的模式取得成功。在对调查问卷进行统计分析的总础上，发现农村小 额保险发展存在以下问题:对小额保险的交伶力度不够;农民保险意识弱;对小额保险的功能认识不清晰川、额保险营销渠道且在一;农民 没有购买小额保险的原因复杂;保险公司的服务质量营有待提高υ 针对这些问题，提出了对策与建议，分别是加大宣怜力度，提高农氏保 险意识:拓宽营销浆泼，创新级管模式;iJ 新小额保险产品，鼓励技术创新;提高服务质囊，树立保险公司良好形象;加大政府扶持力度， 帮助贫困农民参保n 关键饲 农村小额保险;劳销渠道;级管模式;保险产品;河北省 中图分类号 F323.89 文献标识码 A 文章编号 0517 -6611 (2010)33 -192∞-03 Investi伊tion and Replection on Rural Micro b酬rance WANG Wei-guo et al (Agriculturdl University of Hebei , Ba叫ing ， Hebei 071∞1 ) Abstract On the strength of investigation ,the status quo of rural micro insurance of Hebei Province is introduced.ηle results show that it is characterized by the following feat旧es: rapid development; continuously increased experimental types and experimental are剧; increasingly im- proved ability of 捕时ng the 悦。nomic and social developrnent; the combination of micro insurance and 自mallloan has achieved succeSR. B制础。 the efforts of analyzing the questionnaires ,the fullowing problems of the development of rural smallloan are detected. For instance ,the inadequate promotion on micro insurance; pe制antsweak awarencss of insurance;und帆r understanding of the functions of micro insutance 川litary rnarketing channel of micro insurance; complex re幽ons of peasantsunwillingness to buy micro insurance and the 帽rvice 叩lality of insurance com阳ny should be improved. ln view of these problem筒， countermeasures and suggestions a附 put forward ,which include s怕吗thening the promotíon on micro in- 5urance ， improvi鸣 pe描ants awarene5S of insurance; expanding the marketing channel and innovating operation mode; innovating the products of micro insurance and encour咀ging technological innovat