【摘要】 小额保险是为低收入人群提供了一种消费得起的保险保障。小额保险为政府运用市场机制增强对低收入人群的经济保障提供一种尝试,以满足低收入人群人生风险保障需求,从而增强低收入人群的自我保障能力,成为继小额信贷之后发展最为迅速的针对低收入者的风险保障型的金融产品。本文对小额保险供给理论进行了突破传统保险供给理论的分析。因为传统商业保险遵循同质风险、同等价格的交易原则,对低收入者而言是难以实现的,所以小额保险供给调整了传统保险"可保性"的限制,采用同质风险、分层对价方式;采用低费率的方法,突破了传统保险"可保性"的限制,将商业保险与社会保险的功能融合。本文从风险需求和经济支付能力两方面证明小额保险理论扩展的必要性,并对其功能进行定位和提出建议。更多还原

【Abstract】 Micro-insurance is an insurance that low-income people can afford.It not only meets the needs of the low-income people in life risk protection,but also provides an attempt for the government using market mechanisms to enhance the financial security of low-income groups.Accordingly,it enhances self-protection capabilities of the low.Micro-insurance has become one of the fastest growing financial products for low-income groups after micro-credit.This article makes analysis in the supply of micro-insurance,which breaks through theories of traditional insurance supply.Since the traditional commercial insurance follows the trading principle of same risk and same price,which is difficult for low-income people to achieve.The supply of micro-insurance adjusts "insurable" in the traditional insurance.It uses the method of the same risk,sub-layer on the price,also uses the method of lower price to break through the traditional restriction.Micro-insurance is integration of commercial insurance and social insurance.In this paper,we will prove the need in expansion of the theory of micro-insurance from the risk of demand and economic capacity,and make its basic position in function and suggestion.更多还原