On The Improvement Of The Legal System Of China's Micro-insurance

The micro-insurance is rise in the international arena in recent years, a special kind of commercial insurance to protect the living standards of low-income people. Micro-insurance to protect low-income population living standards poverty alleviation, relief, so it became the focus of attention of many developing countries in international. The success of micro-insurance in India, Bangladesh and other developing countries, make them the insurance industry's emerging insurance also for other developing countries to solve the stability of the lives of low-income people to find a new solution. China as an emerging developing countries, low-income groups still account for the majority of the total population, Therefore, the development of micro-insurance to protect low-income people in China live a stable life, our long faced the problem of poverty and even the long-term and stable development of significant. Micro-insurance has also been rapid development in China, but due to the absence of relevant laws and regulations, the lag is not standardized, causes confusion in the market of micro-insurance So that it is restricted in our country's development, unable to play its desired effect. China's micro-insurance legislation great problem exists mainly as follows:_The legislative level is too low, poor operability of relevant laws and regulations, Content requirements are too rigid and vague,_Supervisor and its responsibilities fuzzy and so on. Further strengthen and improve the micro-insurance legislation in China is micro-insurance in China long-term, healthy and orderly development of the premise and guarantee. Micro-insurance legal system origin, including two levels of international and domestic law, mainly reflected in domestic law, its contents including the type of micro-insurance, the contract system and the regulatory system.In this article, I first of all with the domestic and foreign scholars to discuss the authority of the conclusions, then try preliminary definition of micro-insurance, comparison of micro-insurance and other social security measures and general commercial insurance the similarities and differences to make clearer the concept of micro-insurance. And then by the current development of micro-insurance at home and abroad, especially in the situation of China's development, analyzing the various obstacles encountered in our country to implement micro-insurance, such as legal obstacles Developed for micro-insurance provisions, the laws of various defects, missing, I try to make their own targeted views, I hope I can be a source of strength for the healthy development of China's micro-insurance, the following is an outline of the article:This article is divided into four chapters, the first chapter is the definition of micro-insurance, mainly of micro-insurance connotation, extension, so that micro-insurance preliminary qualitative, by means of the authoritative statement of the theory community, also compared the micro-insurance and other social assistance as well as general commercial insurance。The chapter II data summarized the development of micro-insurance at home and abroad, especially the development of micro-insurance in China, and the rigid system encountered. The Chapter III by a summary of its development status, analysis, combined with the basic theory of micro-insurance, from the theory, practice different angles to find out the conditions must be in the healthy development of micro-insurance. The Chapter IV for the micro-insurance in the various practical obstacles facing our development, the author's solution, for the sustained development of micro-insurance in the health of our own humble opinion.