小额保险与农村经济发展融合研究——以福建省为例
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摘要
小额保险能够有效转移农民风险,促进农民生产投资,保障农民生活稳定。福建省农村居民收入相对较高,具有发展小额保险的基础。有必要将小额保险和福建省农村经济发展融合起来,为进入新常态的福建省经济制造一个新的增长点。但小额保险经营成本高、利润低,福建省短时间内也无法扩大小额保险的经营网点和覆盖面。要实现小额保险和福建省农村经济融合发展,需要做到持续性地宣传和引导,利用小额保险实现精准扶贫,鼓励保险公司提高小额保险的供给,利用移动互联网降低小额保险成本、扩大覆盖面,以促进福建省农村经济的发展。
Microinsurance can effectively transfer farmers' risk, stimulate their investment and stabilize their lives. The residents in Fu Jian's countryside have a relatively high income, therefore it has a good foundation to develop microinsurance.It's necessary to combine the rural economic growth with microinsurance in Fu Jian in order to make a new growth point. But the cost of developing microinsurance is high while the profit is low. Moreover,insurance companies cann't enlarge the Microinsurance network and coverage in a short time. To realize the interactive growth between the economic developement and the microinsurance in the countryside of Fu Jian province, continuous propaganda and guidance are needed, using microinsurance to develop precise anti-poverty,encouraging insurance companies supply microinsurance effectively while reducing microinsurance's costs by mobile internet.
Microinsurance can effectively transfer farmers' risk, stimulate their investment and stabilize their lives. The residents in Fu Jian's countryside have a relatively high income, therefore it has a good foundation to develop microinsurance.It's necessary to combine the rural economic growth with microinsurance in Fu Jian in order to make a new growth point. But the cost of developing microinsurance is high while the profit is low. Moreover,insurance companies cann't enlarge the Microinsurance network and coverage in a short time. To realize the interactive growth between the economic developement and the microinsurance in the countryside of Fu Jian province, continuous propaganda and guidance are needed, using microinsurance to develop precise anti-poverty,encouraging insurance companies supply microinsurance effectively while reducing microinsurance's costs by mobile internet.
引文
[1]Dror,D.M.,Koren,R.,and Steinberg,D.M.The Impact of Filipino Micro Health Insurance Units on Income-Related Equality of Access to Healthcare[J].Health Policy,2006,77(3):304–317.
[2]Gruber,J.and Yelowitz,A.Public Health Insurance and Private Savings[J].Journal of Political Economy,1999,107(6):49-74.
[3]Morduch,J.Income Smoothing and Consumption Smoothing[J],Journal of Economic Perspectives,1995,9(3):103–114.
[4]Zahld Qureshi,Dirk Reinhard.Report of 5th Microinsurance Conference 2009–Making insurance for the poor[J].Munich Re Foundation,2009.
[5]Hamid S A,Roberts J,Mosley P.Evaluatingthe Health Effects of Micro Health Insurance Placement:Evidence from Bangladesh[J].World Growth,2011,(3):399-411.
[6]Mosley P.Microinsurance:Scope,Design and Assessment of Wider Impacts[Z].Introductory Growth Studies Bulletin,2003,34(4):143-155.
[7]Cai H,Chen Y,Fang H,Zhou L A.Microinsurance,Trust,and Economic Growth:Evidence from a Randomized Natural Field Experiment[Z].NBER Working Paper No.15936,2009.
[8]Craig Churchill,“Protecting the poor—A microinsurance compendium,”International Labour Organization,2006.
[9]GinéX,Yang D.Insurance,Credit,and Technology Adoption:Field Experimental Evidence from Malawi[J].Journal of Growth Economics,2009,(89):1-11.
[10]Monique Cohen and Jennefer Sebstad.Reducing Vulnerability:The Demand For Microinsurance[J].Journal of International Growth,2005,(17):397-474.
[11]初可佳,袁建华.影响农户购买小额医疗保险意愿的诸因素缕析[J].现代财经,2011,(3):11-14.
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[15]曹蓓.中国农村小额保险的营销策略和发展路径选择[J].农业经济,2014,(3):58-59.
[16]陈华.农户购买小额保险意愿影响因素研究——来自广东两个县的证据[J].保险研究,2009,(5):51-56.
[17]高峰,王珺.小额保险需求分析[J].保险研究,2008,(10):42-46.
[18]尹成远,任鹏充,陈伟华.农村小额保险与小额信贷结合发展及其模式探讨[J].现代财经:天津财经学院学报,2010,(3):22-26.
[19]张庆君,陈娜娜.新型农村社会养老保险试点推行状况调查研究——基于辽宁义县新农保试点的实证考察[J].金融发展研究,2011,(3):23-25.
[20]姚丽萍.农村小额保险在欠发达地区实现全覆盖的探讨[J].经济师,2013,(11):214-215.
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[23]曹蓓.中国农村小额保险的营销策略和发展路径选择[J].农业经济,2014,(3):58-59.
[24]宋继华,王思宇.普惠金融视角下农村“小额保险+小额信贷”模式风险防控研究[J].中外企业家,2015,(8):74,76.
[25]刘一鸣,段誉,李昭.信息对小额健康保险需求影响的实验经济学分析[J].保险研究,2010,(10):52-54.
[26]张兴.中国小额保险发展研究[D].南开大学博士论文,2009.
[27]梁涛.农村小额人身保险[M].北京:中国财政经济出版社,2008.
[28]孙祥栋.小额保险理论与实践[M].北京:经济科学出版社,2012.
[29]李杰.中国农村小额保险发展研究[M].北京:经济科学出版社,2015.
[30]苗复春,林岱仁.县域保险发展研究报告[M].中国财政经济出版社,2006,01.
[31]陈立,李林,冯源.商业保险公司创新农村小额保险模式研究[J].中国渔业经济,2011,(6):79-82.
[32]唐金成,秦建文,郭建斌,胡蓉,黄蕤,张西原.关于广西农村保险需求的调查研究[J].广西财经学院学报,2007,(6):55.
[33]李琼.小额保险之“乌干达现象”评析[J].保险研究,2009,(3):101-105.
[34]李晓洁,魏巧琴.破解贫困农民保费支付之困:收入约束与保险需求[J].财经研究,2012,(12):4-14,25.
[35]朱俊生,庹国柱.推动小额保险发展的关键在于提高供给效率[J].中国金融,2009,(5):44-46.
[36]李琼,刘爽,宋玉琪,张健铭.农村小额人身保险的制度经济学分析[J].保险研究,2011,(10):39-45.
[37]雎岚,锁凌燕,汪颖.中国农村小额人身保险需求影响因素分析——基于安徽省黄山市的实证研究[J].保险研究,2015,(4):51-62.
[38]姜欣欣.重视小额保险这一有效扶贫工具:专访山东农业大学经济管理学院教授陈盛伟[DB/OL].金融时报网版,http://www.financialnews.com.cn/llqy/201409/t20140922_63216.html,2014-09-22.
[39]张文.四十元为贫困户兜底撑腰[N].人民日报,2014年07月13日,02版
[2]Gruber,J.and Yelowitz,A.Public Health Insurance and Private Savings[J].Journal of Political Economy,1999,107(6):49-74.
[3]Morduch,J.Income Smoothing and Consumption Smoothing[J],Journal of Economic Perspectives,1995,9(3):103–114.
[4]Zahld Qureshi,Dirk Reinhard.Report of 5th Microinsurance Conference 2009–Making insurance for the poor[J].Munich Re Foundation,2009.
[5]Hamid S A,Roberts J,Mosley P.Evaluatingthe Health Effects of Micro Health Insurance Placement:Evidence from Bangladesh[J].World Growth,2011,(3):399-411.
[6]Mosley P.Microinsurance:Scope,Design and Assessment of Wider Impacts[Z].Introductory Growth Studies Bulletin,2003,34(4):143-155.
[7]Cai H,Chen Y,Fang H,Zhou L A.Microinsurance,Trust,and Economic Growth:Evidence from a Randomized Natural Field Experiment[Z].NBER Working Paper No.15936,2009.
[8]Craig Churchill,“Protecting the poor—A microinsurance compendium,”International Labour Organization,2006.
[9]GinéX,Yang D.Insurance,Credit,and Technology Adoption:Field Experimental Evidence from Malawi[J].Journal of Growth Economics,2009,(89):1-11.
[10]Monique Cohen and Jennefer Sebstad.Reducing Vulnerability:The Demand For Microinsurance[J].Journal of International Growth,2005,(17):397-474.
[11]初可佳,袁建华.影响农户购买小额医疗保险意愿的诸因素缕析[J].现代财经,2011,(3):11-14.
[12]孙健,申曙光.国外小额保险的理论及实践分析[J].南方金融,2007,(7):53-55.
[13]初可佳,孙建.农村小额养老保险需求影响因素的实证分析[J].保险研究,2011,(7):59-68.
[14]李杰,赵勇.普惠金融视角下农村小额保险制度的构建[J].金融理论与实践,2012,(9):38-40.
[15]曹蓓.中国农村小额保险的营销策略和发展路径选择[J].农业经济,2014,(3):58-59.
[16]陈华.农户购买小额保险意愿影响因素研究——来自广东两个县的证据[J].保险研究,2009,(5):51-56.
[17]高峰,王珺.小额保险需求分析[J].保险研究,2008,(10):42-46.
[18]尹成远,任鹏充,陈伟华.农村小额保险与小额信贷结合发展及其模式探讨[J].现代财经:天津财经学院学报,2010,(3):22-26.
[19]张庆君,陈娜娜.新型农村社会养老保险试点推行状况调查研究——基于辽宁义县新农保试点的实证考察[J].金融发展研究,2011,(3):23-25.
[20]姚丽萍.农村小额保险在欠发达地区实现全覆盖的探讨[J].经济师,2013,(11):214-215.
[21]程金虎.农村小额人身保险大有作为[J].魅力中国,2014,(18):79-79.
[22]贾士彬,尚颖.小额信贷与小额保险联动问题研究简[J].上海保险,2014,(2):15-17,37.
[23]曹蓓.中国农村小额保险的营销策略和发展路径选择[J].农业经济,2014,(3):58-59.
[24]宋继华,王思宇.普惠金融视角下农村“小额保险+小额信贷”模式风险防控研究[J].中外企业家,2015,(8):74,76.
[25]刘一鸣,段誉,李昭.信息对小额健康保险需求影响的实验经济学分析[J].保险研究,2010,(10):52-54.
[26]张兴.中国小额保险发展研究[D].南开大学博士论文,2009.
[27]梁涛.农村小额人身保险[M].北京:中国财政经济出版社,2008.
[28]孙祥栋.小额保险理论与实践[M].北京:经济科学出版社,2012.
[29]李杰.中国农村小额保险发展研究[M].北京:经济科学出版社,2015.
[30]苗复春,林岱仁.县域保险发展研究报告[M].中国财政经济出版社,2006,01.
[31]陈立,李林,冯源.商业保险公司创新农村小额保险模式研究[J].中国渔业经济,2011,(6):79-82.
[32]唐金成,秦建文,郭建斌,胡蓉,黄蕤,张西原.关于广西农村保险需求的调查研究[J].广西财经学院学报,2007,(6):55.
[33]李琼.小额保险之“乌干达现象”评析[J].保险研究,2009,(3):101-105.
[34]李晓洁,魏巧琴.破解贫困农民保费支付之困:收入约束与保险需求[J].财经研究,2012,(12):4-14,25.
[35]朱俊生,庹国柱.推动小额保险发展的关键在于提高供给效率[J].中国金融,2009,(5):44-46.
[36]李琼,刘爽,宋玉琪,张健铭.农村小额人身保险的制度经济学分析[J].保险研究,2011,(10):39-45.
[37]雎岚,锁凌燕,汪颖.中国农村小额人身保险需求影响因素分析——基于安徽省黄山市的实证研究[J].保险研究,2015,(4):51-62.
[38]姜欣欣.重视小额保险这一有效扶贫工具:专访山东农业大学经济管理学院教授陈盛伟[DB/OL].金融时报网版,http://www.financialnews.com.cn/llqy/201409/t20140922_63216.html,2014-09-22.
[39]张文.四十元为贫困户兜底撑腰[N].人民日报,2014年07月13日,02版
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