Research On The Legal System Of China’s Rural Micro Life Insurance

As a kind of micro insurance, rural micro life insurance has double characteristics: on the one hand, it plays the role of serving for the low income; on the other hand, it is complementary to the construction of national social security system and plays an important role in it. At present, China’s rural micro insurance is rapidly developing, growing scale and more and more market institutes and individuals had involved, while a series of problems have appeared. However, there is no special law of rural micro insurance in our country now, this is a huge loophole. Being based on the actual situation of our country, this paper puts forward and analyses problems from the legal perspective and provides relevant advices.The main structure of this thesis is as follows: the first part is the introduction of the general principle of rural micro insurance legal system, which mainly explains the meaning and significance of developing this kind of insurance. The second part is the necessity and feasibility of the development of China’s rural micro life insurance legal system. The third part mainly analyzes the current legislation situation of China’s rural micro insurance and its problems: shortage of special laws and regulations, complete supervision system, sound supporting laws and regulations of China’s rural micro life insurance. The forth part is the sharing of foreign experience of developing rural micro insurance legal system and the evaluation of them, which respectively introduces the legal system in India, Japan and Philippines. The fifth part is the introduction of how to improve the rural micro insurance legal system, which mainly includes establishing special legal system, improving supervision system, increasing supporting laws and regulations of China’s rural micro life insurance and setting up efficient dispute settlement mechanism.In order to accomplish this paper, the author use methods of comparison, theoretical analysis, practical analysis and interdisciplinary analysis. That carries on the general principle of rural micro life insurance, and the present situation of its legal system and existing problems. On the basis of foreign experiences, the author puts forward suggestions to promote the early appearance of China’s special legal of rural micro life insurance.