农村小额人身保险供求分析与协同发展

小额保险是为低收入人群提供的低保费、低保额的特殊保险产品。目前,小额保险主要需求者是我国农村广大地区的农民,由于各种原因,这种保险的供给不足。对此,应通过切实提高农村低收入阶层收入水平、保险意识;保险公司开发保险品种,提高服务质量;政府改善外部环境,引导其健康发展等方式,促进农村小额人身保险需求方、供给方、政府协同发展。

Supply and demand of rural micro-life insurance and coordinated development

Micro-insurance is a special insurance product for low-income people with low premiums and amount.Currently,the main demand for micro-insurance,who are rural farmers of large areas,for various reasons,is inadequatly met by such insurance.In this regard,it is supposed to improve the income level,insurance awareness;insurance coverage and service quality;the Government is expected to improve the external environment for healthy development to promote rural micro-life insurance by coordination of demand-side,supply-side and the Government.