| Micro life insurance is a kind of industrial insurance for the low-income group. Itis rise in the international areas in recent years, specially in developing countries. Thereason is that it opens a new financial sector and is an innovation of the social means forpoverty alleviation. From the experience of all countries, improving micro life insuranceplays an important role to perfect the urban social security network and exploitcommercial insurance markets. The gap between the rich and the poor in china isobvious and the rural social security system is not perfect. It is good to develop microlife insurance for improving rural risk security and financial support system. In2007,Chinese scholars start to focus on micro life insurance, and it is formally introducedinto China in2008. Therefore, domestic scholars start to research it widely. However,educational circles just study it in insurance and economics. And so far, there is noformal laws or rules to regulate it in China. Thus this article study the basic theories, theinternational experience, and analyze the necessity and feasibility to build micro lifeinsurance legal system in China, and study it from a legal perspective, in the hope ofgiving some reference to establish the legal system of micro life insurance in China.There are four parts in this article: the first is basic theory of micro life insurance,studying it from the concept, characteristics and the theoretical basis of micro lifeinsurance. The second introduces international legal system and evaluation, choosingJapan, India and the Philippines as the representative countries, summarizing thedevelopment experience. The third is the necessity and feasibility to build micro lifeinsurance legal system in China. The last analyzes some suggestions to build micro lifeinsurance legal system from the angles of the basis regulation, the financial supportspecification, regulatory specification and the mechanism to quickly deal with disputes.This article mainly use the research methods of contrastive analysis,multi-disciplinary analysis, integrating theory with practice analysis, document researchand so on. Studying systematically basic theory and international experience of microlife insurance in this paper, and analyzing the necessity and feasibility to build microlife insurance legal system in China, at last giving some suggestions to build micro lifeinsurance legal system in China. I hope that this article may have benefits for legalconstruction of micro life insurance in China. |
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