| The micro-insurance is the important point that the country try to deal with the "agriculture, rural areas, and farmers" problem. It is not only insurance, but also a financial tool for poverty alleviation that lower all kinds of risks' attack to low-income person. As a perfect social security system, the low-income person pays more attention to the rural micro-insurance. It has made progress in some countries. The micro-insurance in our country has development, but it has some problems that high costs makes the insurance's supply can not meet need. The rural micro-insurance's product is single and it can not meet the variety needs of low-income person. Now the domestic insurance takes different methods in business management and sales channel, there are main three models:The first is purely commercial model of operation. The second is the semi-commercial model of operation in policy support. The third is to establish the mutual insurance system and the cooperative organization. Because the micro-insurance's development is closed with social environment and policy environment, it is different from the commercial insurance's other products. But the study of micro-insurance's model is lack in our country.This article want to further analyze the situation of the micro-insurance's model and the problems through the study of the domestic micro-insurance's development model, and give some advices to our micro-insurance by the postal company's agent situation and the study of the practice. This article's study method is main of theoretical analysis, expert interviews and comparative analysis. With the other countries' experiences and our country's development situation, we have the theoretical analysis; it takes the expert interview to the insurance's different experts. It have the qualitative analysis to postal agent model.This article is divided into five parts, whether macro or specific, it analyzed the micro-insurance. The first part is the introduction. For issues for research, research background, significance, content, and methods of study it have carried out a systematic introduction, let us understand the original intention of this article. The second part is an overview on micro-insurance. To the micro-insurance's concepts, characteristics and role it gave a conceptual summary.It gave a detailed summary for the various factors that affect the development of micro-insurance. Specific to the micro-insurance products, the described is more detail, give the analysis to various factors. And for the micro-insurance's international and domestic developments it give describe, let us know the development of micro-insurance. The third part is specific to the micro-insurance model of international development and concrete development results, the analysis about micro-insurance's advantages and disadvantages of each mode, and to Japan, the Philippines and India's actual development of micro-insurance give an analysis, proposed measures to enhance the supply of micro-insurance status. The fourth part designs the questionnaire to postal agent model in development rural micro-insurance by expert interview. The fifth part is about the full content of the summary. |
