The Theory Of Micro-insurance, Research And Problem Analysis

The problems of farmers, countryside and agriculture, as well as the issues of solving pension and health care security of low-income populations are always one of the important tasks facing our government. The insurance industry is promising, and it should play an more important role in this regard. Micro-insurance received great attention and support from government departments at all levels for its orientation of serving for low-income populations; which is in consistent with the country's development strategies of concerning about people's livelihood, improving people's livelihood. So it has got a rapid development. Micro-insurance in rural areas gradually has also become an important growth point in the insurance industry. In this backdrop, the author gave a deep analysis of the status and problems of micro-insurance in pilot project. Based on the object of study, the specific research ideas and the logical framework of this paper are as follows:Chapter one is the introduction. This chapter pointed out that China is a big agricultural country and the stability of the rural economy related to the coordinated development of China's national economy. Micro-insurance in rural areas as a useful tool to guard against the risk of agriculture, plays a decisive role for the development of the agricultural economy. Then it introduced the present theoretical basis from both foreign and domestic aspects.The last section describes the contents and methods of this study.Chapter two is micro-insurance's basic theory. This chapter introduced the definition,classification and characteristic of micro-insurance.It points out that the necessity and practical significance of the development of micro-insurance in our rural areas.Chapter three is the analysis of statue and problems of micro-insurance in our country. This chapter describes the history and development of micro-insurance and the status quo of the pilot project. It specified the process of the pilot project in Sichuan province as an example. At last, it pointed out the problems existing in the experimental work.Chapter Four the international experience of micro-insurance and the inspiration to us.This chapter gave a summary of the experience of micro-insurance in developed countries and some suggestions of the development of micro-insurance in our country.Chapter Five Countermeasures of developing the micro-insurance in our rural areas. This chapter gave some proposals to better develop the micro-insurance in our country through the summary of foreign experience in last chapter, combined with China's specific national conditions.