| 我国农村寿险市场开发的制度选择 |
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| 引用本文： | 刘珺. 我国农村寿险市场开发的制度选择[J]. 西安财经学院学报, 2005, 18(5): 77-80 |
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| 作者姓名： | 刘珺 |
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| 作者单位： | 西安财经学院,陕西,西安,710061 |
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| 摘 要： | 我国农村居民有转移风险的潜在需求,预防性的储蓄使这种潜在需求变为有效需求.商业性寿险公司是追求利润最大化的金融企业,城市寿险市场的交易费用低于农村,开发城市市场的利润高于农村,商业性寿险公司缺乏开发农村寿险市场的动力.因此造成目前农村寿险市场需求不足、供给短缺的根本原因是制度供给不足.相互保险组织作为一种内生性金融,比商业性寿险公司的效率更高,保险合作社有利于降低道德风险和逆选择,费率较低,是目前开发中国农村寿险市场较为理想的制度选择.
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| 关 键 词： | 市场失灵 预防性储蓄 相互保险组织 保险合作社 |
| 文章编号： | 1672-2817（2005）05-0077-04 |
| 收稿时间： | 2005-09-02 |
| 修稿时间： | 2005-09-02 |
The System Selection for the Development of Rural Life Insurance Market in China |
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| LIU Jun. The System Selection for the Development of Rural Life Insurance Market in China[J]. Journal of Xi‘an Institute of Finance & Economics, 2005, 18(5): 77-80 |
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| Authors: | LIU Jun |
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| Abstract: | The farmers in China have the latent need of life insurance.Precaution saving makes it become effective need.Commercial life insurance company is a kind of financial enterprise whose aim is to get maximum profit.The deal cost of urban market is less than that of rural market.Commercial company doesn't have the motive to develop rural market.Short supply is the basic reason that caused the situation of market discord in rural life insurance market.Mutual insurance organization is more suitable than commercial life insurance company because of the efficiency.The co-operate insurance is the best selection in three kinds of mutual insurance organizations because it is benefit for decreasing moral risk and price. |
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| Keywords: | market discord precaution saving mutual insurance organization co-operate insurance |
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