农村小额人身保险的制度经济学分析

在我国,农村小额人身保险作为低收入农村居民的风险管理手段,其产生与发展是一定制度环境下的创造性变革。以新制度经济学理论为基础,立足于我国农村居民风险管理初始制度安排,指出农民风险管理制度供给不足是促使小额人身保险制度产生的基础,并对商业保险公司在农村小额人身保险制度变迁中的收益和成本进行分析,最后从政府行为选择、制度耦合等角度探讨建立可持续性的小额人身保险制度安排。

An Analysis of Rural Micro-personal Insurance from the System Economics Perspective

Rural micro-personal insurance has become a tool of risk management for low-income rural residents in China.It represents a form of systematic reform under certain circumstances.Based on the theories of new system economics and primary systematic arrangement for risk management of rural population,the paper pointed out that insufficient supply of risk management tools for farmers gave rise to micro-personal insurance.The paper also analyzed the input and return of commercial insurers from the evolution of rural micro-personal insurance.Finally,it elaborated on how to establish a sustainable micro-personal insurance from the viewpoints of government behavioral selection and system fitting.