完善我国农村小额保险监管法律法规的思考

小额保险作为一种新型保险产品,自2008年引入我国并在农村试点实施以来,引起了政府和学界的广泛关注.中国保险监督管理委员会因此下发了<农村小额人身保险试点方案>以及<关于进一步扩大农村小额人身保险试点的通知>等文件.从近两年实施情况来看,我国农村小额保险存在监管目标偏颇、操作规则阙如、相关配套制度不完善等问题,从而损及...

Concerning about Legal Supervision of Perfect our Country's Rural Micro-insurance

Micro-insurance which launched in China in 2008 as a new insurance product,attract widespread concerns of the government and the academics.In this connection,The China Insurance Regulatory Commission issued regulations as "The scheme on the test points of rural micro-insurance "and "The notification of The China Insurance Regulatory Commission about further expanding the test points of rural micro-insurance".But in the practice of recent years,there have many problems on it like the objective of control and intendance is partial,lack of code of practice and faultiness on the relative system.That is harm for the control and intendance on effectiveness.With the purpose of impelling the faster and better development of it in our country,in the future legislation we must redefine the objective,adapt relative system to the specialties of rural micro-insurance.