本文關鍵詞：湖北省農(nóng)村小額保險發(fā)展情況調查報告，由筆耕文化傳播整理發(fā)布。

湖北省農(nóng)村小額保險發(fā)展情況調查報告 周紅雨　 1 徐漢坤　 2 （1.中國保險監(jiān)督管理委員會湖北監(jiān)管局，湖北 武漢 430061 ；2. 中南財經(jīng)政法大學，湖北 武 漢 430073 ） ［摘要］發(fā)展農(nóng)村小額保險是完善農(nóng)村金融體系的重要手段，政府在農(nóng)村小額保險的發(fā)展中起 著非常重要的作用。本文通過對湖北省農(nóng)村小額保險的開展情況進行調研后發(fā)現(xiàn)，我國的小額保險 起步晚但發(fā)展快，同時也存在投保人保險意識欠缺、開展農(nóng)村小額保險的成本和風險較高等障礙。 發(fā)展農(nóng)村小額保險，需要政府在政策的制定上給予支持，需要監(jiān)管機構完善監(jiān)管手段，，也需要保險 公司加強創(chuàng)新。 ［關鍵詞］“三農(nóng)”問題；農(nóng)村小額保險；調研報告�。壑袌D分類號］[KG*2]F840.66[KG*2] ［文 獻標識碼］[KG*2]A[KG*2] ［文章編號］1004-3306 （2008 ）08-0091-03 Abstract ：[KG*2][WTBZ]Developing rural microinsurance is an important means to improve China ′ s rural financial system. The government plays a very important role in promoting the development of microinsurance. China ′s microinsurance was only initiated 　 recently but has been developing rapidly. Meanwhile, the major obstacles of running microinsurance business are the lack of insurance awareness, high costs and risks. The government should provide with certain policy support in order to develop this business, the supervisory body should further enhance its regulatory measures, and insurance companies should strengthen their innovative ability. Key words ：[WTBZ]San Nong issues; rural microinsurance; research report ［作者簡介］周紅雨，現(xiàn)任中國保險監(jiān)督管理委員會湖北監(jiān)管局統(tǒng)計研究處處長；徐漢坤，中 南財經(jīng)政法大學新華金融保險學院保

  本文關鍵詞：湖北省農(nóng)村小額保險發(fā)展情況調查報告，由筆耕文化傳播整理發(fā)布。