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The Comparative Analysis of International Life Micro-insurance and Enlightenment

Author: HeHuan
Tutor: YangLiWang
School: Southwestern University of Finance and Economics
Course: Insurance
Keywords: Countryside Commercial operation Microinsurance
CLC: F842.6
Type: Master's thesis
Year: 2010
Downloads: 308
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Abstract

As an effective means of poverty alleviation and financial development, micro-life insurance in the world is more and more countries and organizations important. In recent years, developing countries such as India, Bangladesh and the Philippines in various forms in rural areas to promote micro-life insurance business, has made rapid development, to become an effective means to solve the basic security of the rural population. Meanwhile, the national insurance regulatory agencies began to micro-insurance as a priority in the current work to push forward. Exists a huge demand for insurance as the largest developing country, China's large rural populations, however, due to the slow development of the rural economy, farmers' disposable income is low, the premiums used higher factors, therefore the actual insurance needs of low-income people in rural areas severely inhibited. The development of micro-insurance is to solve the huge potential insurance needs of low-income people and by the contradiction between the suppression actual insurance needs. We should learn from the international microinsurance products business and regulatory experience, in-depth study of China's rural micro-life insurance market characteristics and potential demand for the development of targeted, high applicability, low premiums, protection of a moderate rural micro-life insurance products, continue to meet the insurance needs of the farmers' multi-level, so insurance really play the role of social stability. Life insurance companies have already actively explore the rural insurance market and achieved some success. However, due to the the farmers farmerist, government management is not in place, such as life insurance companies to promote the power of the rural insurance market is always inadequate. This paper aims at the analysis of microinsurance development status at home and abroad, lessons learned, and put forward practical suggestions, so as to promote the further development of micro-insurance, increase participatory degrees greater range of commercial insurance in Service the role of the insurance market in rural areas. The Introduction text is divided into a total of four parts: the first part Structurally analysis of the background of this stage the development of micro-life insurance market. Although we have achieved a certain development in the micro-insurance market, but because in the primary stage of exploration, there are still some problems to be solved. The part of the first line of the life insurance companies in the development of rural micro-insurance system status quo and problems of the in-depth analysis. Second, from the government, farmers, insurance companies analyze the reasons for the slow development of the micro-insurance market. Finally, it is pointed out that the micro-insurance products with unique features can not be replaced by other financial products as well as the role of its market development space. Speed ??up the sound development of micro-insurance market is the inevitable trend of sustained and healthy development of the life insurance industry, the insurance market is deepening the reform of the urgent requirement for life insurance companies should shoulder the mission of building a new socialist countryside. The second part of India, Bangladesh, the Philippines and several other countries with distinctive representative micro-insurance system a comparative analysis and describes the development of China's rural insurance revelation. This section first introduced from the the microinsurance business model products, microinsurance business, government and regulatory authorities, the role of international experience in development of micro-life insurance. Then, expounded on China's revelation of a foreign micro-life insurance. Farmers due to limited financial capacity, only be able to withstand the amount of lower premium expenses. Rural market segmentation variable savings in premiums to pay for different income levels and accident rates, development products. Such as the payment of premiums dovetail with the harvest season, providing flexible payment Harvest when to pay, adjust the pay period when major natural disasters, but does not affect the validity of the insurance policy. At the same time to take new measures to extend the existing rural financial services. Indian farmers use a credit card, the insurer may sell their products by credit card. The third part of the existing micro-insurance commercial operation exists, innovative thinking, such as insurance, marketing system from the operating mechanism. The development of insurance in the rural market is still in its infancy, to change the life insurance products targeted risk liability, the demand for the gap between the actual and the farmers, in addition to the necessary transformation of the original insurance, but also according to the reality in rural development new insurance products to meet the needs of farmers in different forms of consumption and consumer level. Innovation through product promotion strategy, and easier to communicate with rural residents, farmers more easily accepted by the life insurance company's micro-insurance products, to improve the awareness and the level of protection of farmers' insurance. To speed up construction of rural marketing services unit to facilitate the people to strengthen the localization as well as specialized rural marketing team. The fourth part through the analysis of the problems in the development of the micro-insurance market in the current situation, sum up experience and positive policy proposals. Actively play the new features of the life insurance company under the new rural construction system, both help to narrow the urban-rural income disparity of wealth, reduce social friction, reduce social instability impact on society, and enhance social stability. Our efforts conducive to enhance public awareness of risk management, to prevent and resolve potential risks, and improve the entire social disaster and accident prevention level, enhanced the ability of the community to address and dispose of emergency incidents, the development of the life insurance industry in order to facilitate the establishment of a sound social crisis management system to ensure the harmonious development of the social economy, the goal of building a new socialist countryside. This review focuses on the micro-insurance market in China's life insurance companies how to better play a functional role related issues to be discussed. This article from China's life insurance companies need to explore the interaction of the micro-insurance market in depth, points out that the important significance to speed up the re-development of life insurance companies in the micro-insurance market, combined with changes in the environment at home and abroad, and analysis of life insurance companies in the micro-insurance market in the re-development of the trends and prospects. Rural micro-insurance market in the further development of the impact of rural micro-insurance market for life insurance companies force analysis of life insurance companies, life insurance companies in the development of rural micro-insurance market transmission mechanism initially built. Based on the above analysis, combined with the development of China's life insurance companies in the micro-insurance market, the evaluation of the status quo of China's life insurance companies actively explore the micro-insurance market, and pointed out that the current constraints of life insurance companies in China to further develop the microinsurance market factors. Address these constraints, institutional system of China's life insurance industry, rural micro-insurance market and insurance system, to identify the the constraints life insurance companies in the rural micro-insurance market development root cause institutionally, which proposes to speed up China's life insurance company microinsurance market development of policy ideas and suggestions. The means used in the process of writing and research tool for: (1) the integration of multi-disciplinary. In this paper, the use of economics, management, finance and Insurance, a comprehensive analysis of the life insurance companies and pension insurance market relations, the theoretical analysis better applied to practical problems. (2) focus on the combination of normative analysis and empirical analysis. Explore the framework for the development of micro-insurance market, in order to standardize the analysis of the main. Descriptions and Analysis of the development status of life insurance companies in the micro-insurance market, the empirical analysis of the main normative analysis supplemented. (3) emphasize the integration of Reference and innovation. Learn, such as India, Uganda and abroad microinsurance market research and research methods, based on the specific institutional environment in China and the actual development of the micro-insurance market, research the better development of the micro-insurance market in China. This article innovations as: (1), through the Perspective of an innovative way to expand and combing the the microinsurance market further development mechanism, summed up the life insurance companies to further develop the rural micro-insurance market in the conduction chain, sketched the life insurance companies innovative framework of rural micro-insurance market operating mechanism, and analyzed on the basis of the general constraints to speed up the life insurance companies in the rural micro-insurance market development, enrichment and development of research in the field. (2) By-depth development of the status quo of China's life insurance company in the rural micro-insurance market analysis, evaluation, from a system perspective, cultural awareness level trace the root cause of the constraints of life insurance companies to further develop the rural micro-insurance market, starting from the institutional framework , proposed a series of new era policy ideas and suggestions of how to promote life insurance companies benign interaction between the development of sustainable rural micro-insurance market.

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