兩岸微型保險發展之探討

微型保險不單單是一種保險，多個國家的發展經驗己經證明了，作為一種金融扶貧手段, 微型保險能夠有效降低各類風險對低收入群體的衝擊,保障其基本生活。微型保險既是微型金融系統的一個組成部分,也是完善的社會保障體系中不可或缺的一環。自開放開始以來，大陸的微型保險也己經得到了一定程度的發展，成果顯著，但是存在的問題也是無法回避的。另外,，由於微型保險的屬性特點，其發展模式與諸多因素關係密切，除了經濟環境，社會環境對於微型保險也會產生重要影響，因此，其發展不能完全照搬一般商業保險的模式。目前，大陸微型保險在管理、銷售等經營模式上存在多種形式,主要有三種:第一種是商業化模式，第二種是政府支援下的半商業化模式，第三種是多主體合作模式,不同的模式有利有弊，都帶有自身特點。文章從國外微型保險的發展模式入手，通過對比總結，吸取成功經驗，希望可以對大陸微型保險的發展提供借鑒，進而以大陸中郵人壽發展模式為案例，對中國微型保險發展模式進行分析，選擇適合大陸情況的微型保險發展模式，並針對現階段存在的問題，提供一些完善微型保險發展的建議。

關鍵字

小額保險；發展模式；中郵人壽

並列摘要

Discussion on the development of micro-insurance in China micro-insurance is not only a kind of insurance, the development experience of many countries has proved that, as a means of financial poverty alleviation, micro-insurance can effectively reduce the impact of various risks on low-income groups and protect their basic life. Micro-insurance is not only an integral part of the micro-finance system, but also an indispensable part of the perfect social security system. Since the beginning of the pilot program, China's small insurance has also been developed to a certain extent, with remarkable results, but the existing problems are unavoidable. In addition, due to the attribute characteristics of small insurance, its development model is closely related to many factors. In addition to the economic environment, social environment will also have an important impact on small insurance. Therefore, its development cannot completely copy the general commercial insurance model. At present, China's small insurance has various forms in management, sales and other business models, mainly including three types: the first is the commercial model, the second is the semi-commercial model supported by the government, and the third is the multi-subject cooperation model. Different models have advantages and disadvantages, all with their own characteristics. Article from the development model of small foreign insurance, by contrast, absorbs the successful experience, hoping to provide reference to the development of small insurance in our country, then to mail in the life development model as a case, the small insurance development mode in China were analyzed, and choose to suit our country situation of small insurance development model, and aiming at the problems at present stage, provide some advice to perfect the development of small insurance.