The Study Of Micro-insurance Development In China

In our country comprehensive construction affluent society and under the construction socialism harmonious society's big background, the State Council and the Central Party Committee have placed the attention livelihood of the people question on the first place. Our country living standards enhance unceasingly, but because our country social security system is imperfect, low income crowd has lacked the effective guard risk in our country t, even has not obtained the basic social security. The low income crowd's characteristic had decided they facing the risk vulnerability, some small attack have the possibility to make lose anything, therefore they need the risk the transfer method.Micro-insurance is in accordance with accepted principles of insurance operations, in order to provide low-income groups with insurance. Its products include the protection of life insurance, health insurance, accident insurance, property insurance, as well as microfinance. Its premium is few, the insured value is low, in view of the low income crowd most urgent disease, death, disability and so on specific risk, provision simple easy to understand, the nucleus guarantees easily, management flow simple and so on characteristics. In many developing countries, has succeeded using the petty insurance to provide the social security. for the low income crowdMicro-insurance is still at the exploration stage in our country, the article through the analysis overseas micro-insurance development condition, profits from the overseas micro-insurance development experience, unifies our country national condition, analyzes our country to carry out the petty insurance the necessity and the feasibility, proposed that our country micro-insurance development model's choice, as well as micro-insurance product's development design, and carries out the micro-insurance to our country to propose the policy to suggest, tries hard to be able to develop to the petty insurance in our country has certain theory and the reality guiding sense.