在国外,小额保险的经营模式主要有四种。一是保险公司通过自己的代理人体系销售小额保险;二是保险公司寻找和借助贴近农民的各种组织向低收入农民销售小额保险,比如通过小额信贷机构向贷款人,通过化肥供应商等方式向农民销售小额保险;三是农村资金 In foreign countries, there are mainly four types of business models for microinsurance. First, insurance companies sell their small-sum insurance through their own agent system. Second, insurance companies seek out and help small-scale insurance sales to low-income peasants through various organizations close to peasants, for example, by providing loans to lenders through microfinance institutions Business and other ways to sell small farmers insurance; Third, rural funds