摘要
在调查研究的基础上,介绍了河北省农村小额保险的开展情况,表明其具有以下特点:发展迅速;试点品种和试点区域不断扩大;服务经济社会发展的能力不断提升;小额保险与小额信贷相结合的模式取得成功。在对调查问卷进行统计分析的基础上,发现农村小额保险发展存在以下问题:对小额保险的宣传力度不够;农民保险意识弱;对小额保险的功能认识不清晰;小额保险营销渠道单一;农民没有购买小额保险的原因复杂;保险公司的服务质量有待提高。针对这些问题,提出了对策与建议,分别是加大宣传力度,提高农民保险意识;拓宽营销渠道,创新经营模式;创新小额保险产品,鼓励技术创新;提高服务质量,树立保险公司良好形象;加大政府扶持力度,帮助贫困农民参保。
On the strength of investigation,the status quo of rural micro insurance of Hebei Province is introduced.The results show that it is characterized by the following features：rapid development;continuously increased experimental types and experimental areas;increasingly improved ability of serving the economic and social development;the combination of micro insurance and small loan has achieved success.Based on the efforts of analyzing the questionnaires,the following problems of the development of rural small loan are detected.For instance,the inadequate promotion on micro insurance;peasants’ weak awareness of insurance;unclear understanding of the functions of micro insurance;unitary marketing channel of micro insurance;complex reasons of peasants’ unwillingness to buy micro insurance and the service quality of insurance company should be improved.In view of these problems,countermeasures and suggestions are put forward,which include strengthening the promotion on micro insurance,improving peasants’ awareness of insurance;expanding the marketing channel and innovating operation mode;innovating the products of micro insurance and encouraging technological innovation;improving the quality of service and establishing the excellent image of insurance company;strengthening the support from government and assisting peasants to insure.
出处
《安徽农业科学》
CAS
北大核心
2010年第33期19200-19202,共3页
Journal of Anhui Agricultural Sciences
基金
河北省软科学研究计划项目(10457204D-19)
关键词
农村小额保险
营销渠道
经营模式
保险产品
河北省
Rural micro insurance
Marketing channel
Management pattern
Insurance products
Hebei Province
作者简介
王卫国（1968-），男，山东滕州人，硕士，副教授，硕士生导师，从事三农保险研究，E-mail：wangweiguo0511@sina．com。
