Of Rural Micro-Life Insurance

Since entering the 21st century, Solve the "three rural" issue has become the economic, Social development, improving people's livelihood, an important measure to build a harmonious society. There is also increasing awareness of the rural finance in alleviating rural poverty and promoting rural economic development, maintain social stability in the role. The insurance industry as part of financial services, In rural economic development has been the role played by more and more people's attention. This paper studies the micro-insurance, the origin, development and the challenges and opportunities, Summarizes the micro-insurance in promoting economic development in the important role of the show。Better for the micro-insurance in China have made the development of the development of scientific advice。In this paper, study of rural micro-insurance, Explore the insurance demand and supply relationship between economic growth。To explore a new path micro-insurance model, look for its potential to promote economic growth。In this paper, economics, new institutional economics, statistics, econometrics, neo-classical theory of economic growth theories and analysis methods。Will focus on the analysis of micro-insurance, international experience, China is facing its challenges and development trends, Shaanxi local pilot rural micro-life insurance several aspects of the process. Main results are:According to the theory of economics of scale and wind damage risk loss probability, obtained under the Pareto optimal insurance in economic development role. To reflect a more realistic relationship between insurance and economic growth.The use of microinsurance supply and demand curves:the low-income groups, represented by farmers insurance market supply and demand imbalance, on the one hand, the demand and constrained by the ability to pay; the other hand, their needs are important because depression is a lack of supply efficiency. In order to improve supply efficiency and micro-insurance required to organize the supply of the main modes of innovation, lower transaction costs, improving supply efficiency.Optimal insurance demand model:low-income people obtained a great potential demand for insurance and suppressed the contrast between the actual insurance needs, to the development of micro-insurance, provide a suitable space. Small insurance business just to meet the insurance needs of low-income people, while most low-income families can bear.The results for statistical analysis, summarized in Shaanxi province at present the characteristics of the insurance industry, and proceeding from reality and put forward feasible suggestions.The innovation of this paper is:on the supply and demand curves appropriate improvements, more intuitive to farmers see low-income groups, represented by the insurance market supply and demand imbalance in one hand, the demand and subject to affordability constraints; on the other hand, their needs are important because depression is the lack of efficient supply.