普惠保险发展的路径选择及其优化——基于小额保险的国际经验

保险“十三五”规划要求大力发展小额保险等普惠保险,但我国小额保险发展相对滞后,制约着普惠保险的全面发展。本文基于对印度等五国经营小额保险的经验研究,比照我国普惠保险发展实际情况,期望借此破解我国普惠保险发展困局,优化普惠保险发展路径。研究发现:我国普惠保险发展在政府推动力度、法律法规完善程度、政策支持力度及发展模式上均可进一步强化改善。结合国际经验和中国实践,我国普惠保险发展应重视法律法规等正式制度建设,顺应各地风俗文化等非正式制度,出台“小额保险条例”作为普惠保险的配套支持政策,利用合作代理销售模式和科技创新手段,控制普惠保险交易成本,开发符合消费者实际利益的普惠保险险种。

Path Choice and Optimization of Inclusive Insurance Development——Based on the International Experience of Microinsurance

The"Thirteenth Five-Year Plan"of insurance requires the vigorous development of inclusive insur ance such as microinsurance.However,the development of microinsurance in China is relatively lagging behind,re stricting the overall development of inclusive insurance.This article is based on empirical research on the operation of microinsurance in India and other four countries,comparing with the actual situation of the development of inclu sive insurance in China,it is hoped that this will solve the dilemma of inclusive insurance development in China and optimize the development path of inclusive insurance.The study finds that the development of inclusive insurance in China can be further strengthened in terms of government promotion,the improvement of laws and regulations,poli cy support,and development models.Combining international experience and Chinese practice,the development of inclusive insurance in China should attach importance to the establishment of formal systems such as laws and regu lations,conform to informal systems such as local customs and culture,and promulgate“microinsurance regula tions”as supporting policies for inclusive insurance,and use cooperative agency sales modes and technological inno vations to control the transaction costs of inclusive insurance and develop inclusive insurance types that meet the ac tual interests of consumers.