摘要
小额保险是增强穷人抵御风险冲击能力、减轻贫困的重要手段。全球范围内小额保险的经营模式主要包括互助或合作保险模式、合作-代理模式及独立经营模式。从国外小额保险的发展实践来看,小额保险的经营模式存在着较大的差异性,这种差异性与各国或地区的社会经济条件、发展阶段及制度环境等的不同密切相关。互助或合作保险模式、合作-代理模式与独立经营模式各自有其自身的优势和劣势。比较分析国外小额保险经营模式的具体特点对我国发展小额保险有着良好的启示。
For poor people, microinsurance is the important risk management means which could strengthen their riskresistance ability and reduce poverty. Operation models of global microinsurance include mutual （or cooperative）insurance model, partner-agent model and independent operation model. From the perspective of microinsurance＇s developing practice, there exist big differences on the operation models, which is closely related with different countries or regions＇ social and economic conditions, development stages and institutional environment. The three main operation models have their own advantages and disadvantages. The comparison analysis of global microinsurance operation models has valuable implication on our country＇s microinsurance development.
出处
《南方经济》
CSSCI
北大核心
2008年第6期65-72,共8页
South China Journal of Economics
关键词
小额保险
经营模式
可持续发展
Microinsurance
Operation Models
Sustainable Development
