一、小额保险及其本质属性作为有效的扶贫手段和小额金融的重要组成部分,小额保险被越来越多的国家和组织重视和采用。目前,世界上有100多个发展中国家都在积极探索用小额保险方式为低收入人群提供风险保障服务。但是对于小额保险的内涵及要素,却有众多的说法。目前,关于小额保险的权威定义主要 First, the micro-insurance and its essential attributes As an effective means of alleviating poverty and microfinance an important part of the micro-insurance is more and more countries and organizations attach importance to and adopt. At present, more than 100 developing countries in the world are actively exploring the use of micro-insurance to provide risk protection services to low-income people. However, there are numerous explanations for the connotation and elements of micro-insurance. At present, the authoritative definition of micro-insurance is mainly