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一 农村股份合作保险体系,具有自愿集资、按股分红、利益共享、风险共担等股份制的主要特征。因而,它一方面适应农民群众要求实现经营合作保险的愿望,另一方面又适应商品经济发展的客观需要及资金所有者投资获益的要求。 它的主要优点是:提供的组织系统最完备。县(市)、乡(镇)、村公所三级都有为民办事机构,适合农民的需求,易于深入宣传发动农民,加强为民职务;比较适合我国农村实际情况,农民自愿投资入股和缴交保险费是以农民的承受能力为基础,而赔款则是按照筹集的资金数
A rural cooperative stock insurance system, with the main features of voluntary fund-raising, dividend-sharing, benefit-sharing, risk sharing and other shareholding systems. Therefore, on the one hand, it meets the desire of the peasant masses for the realization of cooperative insurance and, on the other hand, meets the objective needs of the development of the commodity economy and the requirements of the fund-holders for their investment. Its main advantage is that it provides the most complete organizational system. The three levels of counties (cities), townships (towns) and village offices all have civil affairs offices and are suitable for the needs of peasants. They can easily publicize and mobilize peasants and strengthen their duties for the people. They are more suitable for the actual situation of rural areas in China, Pay premiums are based on the affordability of farmers, while claims are based on the amount of funds raised