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农村小额人身保险是针对农村低收入人群开展的一类特殊的人身保险业务,被视为一种有效的金融扶贫手段。当前,我国正在积极开展有关农村小额人身保险的试点工作,也取得了一定的成效。但是,在我国开展农村小额人身保险的过程中,从宏观层面和微观层面来看,存在诸多制约因素,表现在法律政策、监管、保险供给以及保险需求等方面,今后,需要从宏观和微观两个层面,来削弱甚或消除以上制约因素的不利影响,以保证我国农村小额人身保险的持续健康运行。
Rural small-sum life insurance is a special type of life insurance service for rural low-income people and is regarded as an effective means of financial poverty alleviation. At present, our country is actively carrying out pilot work on rural micro-life insurance and has also achieved some success. However, in the process of carrying out rural micro-insurance in rural areas, there are many constraints at macro and micro levels, which are manifested in the aspects of law and policy, regulation, supply of insurance and insurance needs. In the future, macro-and micro- Two levels, to weaken or eliminate the adverse effects of the above constraints in order to ensure the continued healthy operation of rural micro-life insurance in our country.