| Most rural population could not get protection through commercial insurance system due to lower income level. Therefore, rural micro-life insurance as a finance tool is to help poverty alleviation, with low premium, moderation protection, claims rapidly, better ability to meet rural population demand for risk protection with lower-income and a positive effect on transfer and dispersion the risk of rural population with lower-income in the business area. It can also strengthen the ability of guarantee themselves. Construct harmonious social security mechanism, perfect the system of rural financialYet, there are many constraints in the process, which including huge potential demand, lack of effective demand and less main eagerness of supply of micro-insurance; leading to micro-insurance "cold supply and demand" situation, thus limiting the sustained and healthy development of rural micro-life insurance. Based on this, the paper using rural micro-insurance as the research object, analyze the supply and demand status of Chinese rural micro-life insurance.The article includes three parts, divided as theoretical analysis, demand situation and supply system, conclusion and policy suggestion.The first part is theoretical analysis, including chapter1,2and3. In chapterl comb domestic and international research literature and the development of rural micro-insurance life insurance in China, analyzing from rural small insurance classification, operation mode, business operations, supply efficiency, empirical research analysis and development and supervision of inductive evaluation research angle.The second chapter discusses the rural micro-life insurance concept, the characteristics and the significance. The third chapter discusses the supply theory of the micro-life insurance.The second part is demand and supply situation, this is the main part, including the chapter4and5. The fourth chapter discusses the huge potential demand and the lack of effective demand through the questionnaire, analyzing the main influencing factors basing on empirical analysis. The fifth chapter introduces the product types and operation mode, pointing out the main reasons of the lacking supply.The third part is conclusion and policy suggestion, combined with the development experience of the international and the problems of micro-insurance in our country, the chapter7proposes some suggestions from government support, service ability, diversified operation mode and product innovation, in order to complete the mechanism of the rural micro-life insurance. |
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