The Study Of Micro-insurance's Development Model

Micro-insurance is not just a kind of insurance. The experience of many countries has proved that as a mean of financial poverty alleviation, micro-insurance can effectively reduce the impact of various risks on low-income groups and guarantee their basic life. Micro-insurance is an integral part of the micro-finance system and an integral part of a sound social security system. Since the beginning of the pilot, China's micro-insurance has also been a certain degree of development, the results are significant,but the problem is unavoidable. In addition, due to the characteristics of the nature of micro-insurance, its development model is closely related to many factors, in addition to the economic environment, the social environment for micro-insurance will have an important impact, therefore, its development can not fully copy the general commercial insurance model. At present, China's micro-insurance in the management, sales and other business models exist in many forms, there are three: the first is the commercial model,the second is the government-supported semi-commercial model, the third is the cooperation model, different models have both advantages and disadvantages, with their own characteristics.This article starts with the development model of foreign micro-insurance, and draws lessons from the successful experience, hops that it can provide reference for the development of China's micro-insurance, and then analyzes the development model of micro-insurance in China , selects the micro-insurance development model suitable for China's situation, and for the existing problems, to provide some suggestions for improving the development of micro-insurance. Mainly using the literature research method, comparative research method, functional analysis, empirical summary method and other research methods.This article has six parts, the first part is the introduction, narrates the background of the micro-insurance research. and hopes to summarize the contents of this study and the research methods used by the research. The second part of the case for the introduction of the typical case of China Post Insurance. The third part is the case analysis, the definition of the concept of micro-insurance, combined with the analysis of the situation in China to develop the necessity of micro-insurance, as well as the benefits of micro-insurance development, and the development of China Post Insurance's advantage analysis. The fourth part is the development model and experience of foreign micro-insurance, and introduces the main model of micro-insurance development in foreign countries. Through comparative analysis, we get some experience. The fifth part is the micro-insurance model and the existing problems in China, and discusses the development model of micro-insurance in China and points out some shortcomings in the development. The sixth part is to improve the micro-insurance model of China's recommendations,including China's micro-insurance development of the reality of the model selection, and improve the development of China's micro-insurance recommendations.