农村小额人身保险面临的难题及破解策略

农村小额人身保险(本文简称"小额保险")已在我国西部九省区的农村试行。笔者基于我国保险业还处于初级阶段的现实,参照暑期在苏北农村地区调研结果,认为在我国农村推行小额保险难免遇到农民保险意识淡薄、政府支持力度不够、保险公司下乡积极性不高、农民生命表缺失等难题,并提出破解建议,以使农村小额保险成功运行。

Difficulties of Small Amount Life Insurance in the Countryside and the Countermeasures

Small amount life insurance has been trying out in the countryside in 9 western provinces of our country.China insurance industry is in primary phase we made investigations in the countryside of northern Jiangsu.According to our findings we think trying out small amount life insurances in our countryside may face these difficulties:the insurance consciousness of farmers is dim;the support from the government is not sufficient;insurance companies haven't high enthusiasm to operate them in the countryside;the absence of mortality table aiming at farmers etc,and put forward some suggestions to resolve these problems.