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农民收入水平低,风险抵御能力差,生产生活中风险状况严峻。山西保险业结合地方实际,开展了农村小额保险的渠道、产品和服务创新,努力填补农村保险保障空白。从实践来看,发展农村小额保险,需要立足农村特定经济社会环境,循序渐进培育农民保险意识,在融入农村互助体系过程中发挥小额保险功能和作用。
Low level of income of peasants, poor ability to resist risks, and harsh conditions in production and life. In combination with local conditions, Shanxi’s insurance industry has launched channels for rural micro-insurance, product and service innovation, and strived to fill the gaps in guaranteeing rural insurance. From a practical point of view, the development of rural micro-insurance needs to base itself on the specific economic and social environment in rural areas and cultivate farmers’ insurance awareness in a gradual and order manner. It plays a small insurance role and function in the process of integrating rural mutual-aid system.