【作者】 党敏；

【导师】 刘德红；

【作者基本信息】 北京交通大学 ， 金融学， 2011， 硕士

【副题名】以邮政代理模式为例

【摘要】 摘要：小额保险是国家致力解决“三农”问题的一个切入点,它不仅仅是一种保险,也是一种降低各种风险对低收入人群冲击的金融扶贫手段。农村小额保险作为一种完善社会保障体系,针对农业低收入群体的有效扶贫手段被予以重视,在一些国家的发展已经取得一些成效。我国农村小额保险已经取得了一定的发展,但仍然存在农村小额保险成本过高带来的保险供给不足,农村小额保险产品品种单一,无法满足低收入人群多样化的保险需求等问题。当前国内小额保险在业务管理、销售渠道等方面采取了不同的做法,主要有三种模式：一是纯商业化运作模式,二是政策支持下的半商业化运作模式,三是成立相互制和合作制的保险组织。由于小额保险的发展模式与社会环境和政治环境的关系较为紧密,有别于商业保险公司其它产品的模式,在我国对小额保险发展模式的研究还比较欠缺。本文希望通过对国内外小额保险发展模式的研究,进一步分析我国农村小额保险代理模式的发展状况及存在的问题,并结合对邮政企业代理保险现状和实践的研究,为我国农村小额保险发展提供建议。本文的研究方法主要有结合具体实际进行理论分析、专家访谈法和比较分析法。本文结合国外开展小额保险模式的经验和国内发展现状进行了理论分析；采用了专家访谈形式通过访谈保险行业内不同层面的相关专家,对邮政代理模式销售农村小额保险进行定性分析；访谈主要通过对不同模式的相互比较进行分析。本文第一部分为绪论,介绍研究背景、研究问题和思路框架。第二部分为理论基础和文献综述。通过供需理论和金字塔理论,说明小额保险市场的理论可行性；并对国内外小额保险发展模式的不同观点做了阐述。第三部分为对小额保险发展模式的分析。具体分析了国外小额保险发展模式及经验、国内小额保险发展现状及问题,同时重点分析了邮政代理模式的基本情况、发展特点、存在问题以及在农村小额保险方面的实践情况。第四部分用专家访谈法选择邮政代理模式发展农村小额保险相关的若干方面设计了调查问卷,通过问卷结果分析对邮政代理模式发展我国农村小额保险进行了综合的评价。第五部分为本文结论。更多还原

【Abstract】 The micro-insurance is the important point that the country try to deal with the "agriculture, rural areas, and farmers" problem. It is not only insurance, but also a financial tool for poverty alleviation that lower all kinds of risks’ attack to low-income person. As a perfect social security system, the low-income person pays more attention to the rural micro-insurance. It has made progress in some countries. The micro-insurance in our country has development, but it has some problems that high costs makes the insurance’s supply can not meet need. The rural micro-insurance’s product is single and it can not meet the variety needs of low-income person. Now the domestic insurance takes different methods in business management and sales channel, there are main three models:The first is purely commercial model of operation. The second is the semi-commercial model of operation in policy support. The third is to establish the mutual insurance system and the cooperative organization. Because the micro-insurance’s development is closed with social environment and policy environment, it is different from the commercial insurance’s other products. But the study of micro-insurance’s model is lack in our country.This article want to further analyze the situation of the micro-insurance’s model and the problems through the study of the domestic micro-insurance’s development model, and give some advices to our micro-insurance by the postal company’s agent situation and the study of the practice. This article’s study method is main of theoretical analysis, expert interviews and comparative analysis. With the other countries’ experiences and our country’s development situation, we have the theoretical analysis; it takes the expert interview to the insurance’s different experts. It have the qualitative analysis to postal agent model.This article is divided into five parts, whether macro or specific, it analyzed the micro-insurance. The first part is the introduction. For issues for research, research background, significance, content, and methods of study it have carried out a systematic introduction, let us understand the original intention of this article. The second part is an overview on micro-insurance. To the micro-insurance’s concepts, characteristics and role it gave a conceptual summary.It gave a detailed summary for the various factors that affect the development of micro-insurance. Specific to the micro-insurance products, the described is more detail, give the analysis to various factors. And for the micro-insurance’s international and domestic developments it give describe, let us know the development of micro-insurance. The third part is specific to the micro-insurance model of international development and concrete development results, the analysis about micro-insurance’s advantages and disadvantages of each mode, and to Japan, the Philippines and India’s actual development of micro-insurance give an analysis, proposed measures to enhance the supply of micro-insurance status. The fourth part designs the questionnaire to postal agent model in development rural micro-insurance by expert interview. The fifth part is about the full content of the summary.更多还原