I我国农民工小额人身保险发展的问题和对策分析摘 要传统的商业保险公司大多数都是针对中高收入人群的，绝大多数农村低收入人群被排除在保险和社会保障的范围之外，实际上，农村低收入者需要更多的保险：他们收入低、风险概率高、抗风险能力弱。但是，农村小额人身保险根据其保险金额较小、保险费用比较低、投保和理赔手续都比较简单等特点，很快就填补了农村居民低收入群体的保险需求的缺口，对规避农村居民经济生活中的人身保险起到了积极的作用，但是，我国的农村小额人身保险还是处于探索阶段，发展中存在着很多的制约因素，相关理论研究相对比较薄弱，覆盖面比较低，农村居民的需求得不到充分满足。本文以我国农民工小额人身保险作为研究对象，分析小额人身保险的发展现状，归纳和总结其发展过程中存在的问题，并且在这过程中提出相应的对策和建议，来加强我国农民工小额人身保险发展的进程。关键词：农民工;小额人身保险; 对策IIAbstractThe traditional commercial insurance companies are mostly aimed at the middle and high-income groups, and the majority of rural low-income people are excluded from the scope of insurance and social security. In fact, the rural low-income people need insurance more: they have low income, high risk probability and weak risk resistance ability. However, due to its characteristics of moderate security, low premium, popular policy and simple claim settlement, the rural small personal insurance rapidly fills in the vacancy of insurance demand of rural low-income groups, and plays a positive role in avoiding personal risk in economic life for rural residents. However, the rural small personal insurance is still in the exploration stage in our country, there are many constraints in its development, the relevant theoretical research is relatively weak, the coverage is low, and the needs of rural residents are not fully met. This study focuses on the small personal insurance of migrant workers in China, analyzes its development status, summarize...
