我国小额保险的发展面临着一些问题,农村的中低收入群体对基本保障型保险服务的需求是现实存在的,但保险公司提供的产品与农民需求不相适应,适合广大中低收入者的保险产品很少。因此,无论是出于对低收入者和弱势群体的扶助,还是为完善农村金融和农村社会保障体系为目的,研究如何降低小额保险的交易成本,将我国小额保险的潜在需求转变为现实需求有着非常重要的现实意义。本文运用经济学的方法,从我国低收入者的购买意愿和购买能力两方面分析我国目前小额保险的供需矛盾,从而提出完善我国小额保险的建议。 The development of China’s small-sum insurance faces some problems. The demand of the low- and middle-income groups in rural areas for the basic guaranteed insurance service is real, but the products provided by the insurance companies are not compatible with the needs of peasants and are suitable for the majority of low- and middle-income earners Insurance products rarely. Therefore, whether it is for the assistance of low-income people and disadvantaged groups or for improving the rural finance and rural social security system, this paper studies how to reduce the transaction cost of micro-insurance and transform the potential demand of micro-insurance in our country into reality Demand has very important practical significance. This paper analyzes the current contradiction between supply and demand of micro-insurance in our country from two aspects of the purchase intention and purchasing ability of low-income people in our country by using the method of economics, and puts forward the suggestion of perfecting the micro-insurance in our country.