Discuss About The Legal Regulation Of Micro-insurance

The worldwide rise of micro-insurance is the result of exploiting new financial fields and innovation of help-the-poor measures. The worldwide practice proved that the micro-insurance has made outstanding contribution in perfecting the social security system and developing new insurance business market. By the influence of this wave, China Insurance Regulatory Commission realizing the huge insurance market in village and big gap between rich and poor in china, begin to pay close attention to micro- insurance in 2007 and formally introducing into China. Micro-insurance has thus become the hot spot of domestic scholar research. But the academic researches of it always stay in insurance science and economics, which is a big regret. Thus this article will study micro-insurance from the point of law, in order to provide some reference suggestions to our micro-insurance regulation.The first chapter comparing the two relatively authority concepts of micro-insurance, lead up to the dual nature of micro-insurance, meanwhile introducing the related theory rationale and the development situation of both at home and abroad of micro-insurance. The second chapter using compare and inductive analysis methods, then concludes the reference foreign regulatory experiences and summarizes defects of the existing regulatory system and puts forward three recommendations. The third chapter in-depth analyzing the regulatory goals and discretion-based intendance of the three recommendations, and synthesizing the reality of our country to establish suitable regulatory goals and regulatory system for China's national conditions of micro-insurance. The fourth chapter in the paper is about the proposal of perfection to the problems of the regulatory system, and put forward the corresponding revision opinions to complete this research of micro-insurance regulatory system.This paper applying knowledge of related disciplines such as management science, economics and sociology, using research methods like comparison analysis, theoretical analysis and empirical analysis, systematically discussing the concept and category of micro-insurance, determine the regulatory goals with the guidance of goal regulation theory, proposing the discretion-based intendance according to the characteristics of micro-insurance, at last use the above theory to concrete system, structure basic regulatory system of micro-insurance. Expect this study can bring some advantages to the construction of China's micro-insurance legal system.