Jim Roth-小额保险-可持续性道路上伙伴_贷帮.pdfVIP

Microinsurance Partnerships the road to sustainability 小额保险－可持续性道路上的伙伴 Asia Microfinance Forum 亚洲小额信贷论坛 Jim Roth Vice President: The MicroInsurance Centre 小额保险中心副总裁吉姆如斯 jroth@MicroInsuranceC www.MicroInsuranceC What is Microinsurance? 什么是小额保险  Insurance targeted at low-income clients.  以低收入群体为目标客户的保险业  One of many microfinancial services e.g.  是诸多小额金融服务中的一种  microleasing, microsavings, remittances and microcredit.  小额金融服务包括小额租赁，小额储蓄，汇款和小额信用  History – Friendly Societies, Crop Insurance Schemes, Mutuals / Co-Operatives / Community Based, various forms of self insurance (esp. MFIs)  历史沿革－互相保险协会，作物保险计划，以协会/合作社/ 团体 为基础，自我保险的各种形式（特别是小额信贷机构） Jim Roth jroth@MicroInsuranceC Problem of sustainability 可持续性存在的问题 Skills – often run by staff without insurance skills. 技巧－操作人员往往没有从事保险的专业技巧 Pricing 定价 Reserving 储备金率 Governance 管理 When it reached a large size – administration 达到较大规模后的经营 Difficulties in obtaining re-insurance.  在争取再保险方面存在困难 Note: Other models can work but they need to address these issues  注意：其他模式也可以生效，但他们也需要处理这些问题 » Difficulties lead the MicroInsurance Centre to develop a new approach – partnerships with commercial insurers 困难迫使小额保险中心采取一种新办法－即与商业保险公司合作 Jim Roth jroth@MicroInsuranceC Partner-Agent Model: How does it work 合伙人－代理商模型：如何才能生效 Read more on this At更多信息请浏览下面