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 farmers5 risk, stimulate their investment and stabilize their lives. The residents in Fujian’s countryside have a relatively high income,therefore it has a good foundation to develop microinsurance.Ifs necessary to combine the rural economic growth with microinsurance in FuJian 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 FuJian province, continuous propaganda and guidance are needed, using microinsurance to develop precise anti-poverty5encoiiraging insurance companies supply microinsurance effectively while reducing microinsurance’s costs by mobile internet.
出处
《福建金融管理干部学院学报》
2016年第4期3-10,共8页
Journal of Fujian Institute of Financial Administrators
基金
福建省中国特色社会主义理论体系研究中心项目2015年度项目(FJ2015B025)成果
关键词
中国经济新常态
小额保险
精准扶贫
福建农村经济
融合发展
China’s new normal
microinsurance
precise anti-poverty
Fujian’s rural ecomomic deveplopment
interactive growth
