Zhong Jiang-sheng, a professor from Nankai University in China, such as the preparation of the first "micro-insurance research white paper" released a few days ago. The report pointed out that at present China's rural micro-insurance coverage of less than 30% of the demand gap of up to 50,000,000 passengers.
According to insurance experts, as a policy-oriented financial means to help the poor, micro-insurance is the solution to the rural poor to protect the basic problems in an effective manner, with a multi-line, low prices for low-income groups and so on. In order to help the broad masses of farmers, particularly low-income farmers have access to insurance coverage to avoid diseases, natural disasters, accidents and injuries caused by the poor, the China Insurance Regulatory Commission was issued in June this year, "issued on %26lt;small rural life insurance pilot program%26gt; , "Which encourages insurance companies to carry out micro-insurance research and development of new products.
The White Paper pointed out that at present China's small operation can be the subject of insurance has not clearly defined, the market is one of the main operators, mainly by the commercial insurance managers. At the same time, government support is relatively insufficient, so that operators of small insurance companies profitable, the lack of power supply.
The White Paper recommends that the Government should micro-insurance operators to take duty-free policy for the insured to take subsidies; in sales on the way to encourage the development of electricity sell, network and other modern means of marketing; operating in a "wide-nuclear security, He Pei Shen" The mode of operation in order to reduce operating costs, control the risk of moral hazard and improve operating efficiency; in the underwriting on the way to approach the main body, supplemented by direct sales, simplify procedures, reduce the loss.
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