【摘要】：長尾理論是指在供給和流通渠道足夠大時,既往需求不旺或銷量不佳的產品也會占據(jù)更大的市場份額。 小額保險是一類面向低收入人群提供的保險產品的總稱,具有保費低廉、保障適度、保單通俗、核保理賠簡單等特點,是小額金融的重要組成部分,也是一種有效的金融扶貧手段。小額人身保險可以分為小額人壽保險、小額健康保險、小額意外保險等。小額人身保險為廣大農村人口、特別是低收入農民提供風險保障,起到擺脫因意外、疾病致貧和返貧等作用。發(fā)展農村小額保險業(yè)務,可以幫助農村社會弱勢群體規(guī)避某些特定風險,特別是重大疾病開支、意外身故、傷殘危及基本生活的風險,對新農村建設意義重大,而且有利于提高農民保障水平、開拓農村保險市場。 本文首先對長尾理論和小額保險進行概述,分析小額人身保險的長尾特性,還應用長尾理論對農村小額人身保險進行PEST、SWOT分析。 我國的農村小額人身保險在中國保監(jiān)會的推動下,從2008年試點推廣,摸索出了商業(yè)保險經營模式、政府參與的半商業(yè)經營模式、多主體合作模式和小額信貸合作代理模式的多模式共同發(fā)展之路,然后介紹中國人壽試點農村小額保險的工作經驗和發(fā)展思路。本文最后應用長尾理論提出發(fā)展我國發(fā)展農村小額人身保險的對策。
[Abstract]:Long tail theory means that when the supply and circulation channels are large enough, the products with low demand or poor sales will occupy a larger market share. Micro-insurance is a kind of insurance products for low-income people. It has the characteristics of low premium, moderate security, popular insurance policies, simple insurance claims and so on. It is an important part of microfinance. It is also an effective means of financial poverty alleviation. Small personal insurance can be divided into small life insurance, small health insurance, small accident insurance and so on. Small personal insurance provides risk protection for the rural population, especially low-income farmers, and helps to get rid of accidents, diseases, poverty and return to poverty. The development of rural micro-insurance business can help the disadvantaged groups of rural society to avoid certain specific risks, especially the expenditure of major diseases, accidental death, disability and the risk of endangering basic life, which is of great significance to the construction of a new rural area. And is advantageous to raise farmer safeguard level, open up rural insurance market. This paper first summarizes the long-tail theory and micro-insurance, analyzes the long-tail characteristics of micro-life insurance, and applies the long-tail theory to analyze the rural micro-personal insurance by PEST-SWOT. Driven by the China Insurance Regulatory Commission, the rural small personal insurance industry in our country has explored the commercial insurance business model and the semi-commercial business model in which the government participated from the pilot promotion in 2008. The multi-agent cooperative mode and the multi-mode co-agent mode of micro-credit cooperation develop together, and then introduce the working experience and development ideas of China Life Insurance pilot rural micro-insurance. In the end, the author puts forward some countermeasures for the development of small personal insurance in rural areas by using long tail theory.
【學位授予單位】：中南林業(yè)科技大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F323.89;F842.62

【參考文獻】

相關期刊論文 前10條

1 任自力;;論中國小額保險法律制度的完善[J];北方法學;2010年02期

2 辛桂華;;我國農村小額人身保險市場發(fā)展問題探析[J];北方經濟;2009年16期

3 卓志;我國人壽保險需求的實證分析[J];保險研究;2001年05期

4 習文鋒;論農村人壽保險市場的開拓[J];保險研究;2003年02期

5 林熙;林義;;印度農村小額保險發(fā)展經驗及啟示[J];保險研究;2008年02期

6 高峰;王s，

本文編號：2151939