摘要
小额保险是继小额信贷之后推出的又一项支持低收入群体的金融业务,由于其具有商业性与公益性的双重特性,在国际上尤其是发展中国家引起了高度的重视。本文通过对小额保险在国外运行情况的分析,结合在我国的发展现状,提出从发挥政府作用、拓展营销渠道、加强产品创新、降低经营成本这四大重要因素着手促进小额保险的快速发展,为解决"三农"问题和加快新农村建设提供重要的支持和保障。
Micro-insurance is the second financial measure following micro-credit to support low-income groups in the world. Due to its commercial and public characteristics, micro-insurance has aroused a high degree of attention in international range, particularly in developing countries. Based on the analysis of the micro-insurance operation in abroad and the development in our country, the paper proposed that the rapid development of micro-insurance depends on four factors： playing the important role of government, expanding marketing channels, enhance product innovation, reduce the operating costs.
出处
《金融发展研究》
2009年第3期77-80,共4页
Journal Of Financial Development Research
关键词
小额保险
国际比较
发展因素
micro-insurance, international comparison, factors of development
