论文部分内容阅读
农村小额人身保险是为低收入人群提供保险服务的统称,用户所缴纳的保险费用相对较低,属于小额金融的构成部分,也是政府出台的金融扶贫手段。但是,在农村小额人身保险推广实施过程中也凸显出一些问题,尤其是小额人身保险法律制度方面尚且存在不足之处。基于此,本文首先阐述了当前农村小额人身保险法律制度中所存在的问题,在此基础上提出了完善策略,认为应当出台专项法律,完善配套法规,健全监管机制,优化纠纷处理机制等,为农村小额人身保险的广泛实施提供法律保障。
Rural small-sum life insurance is a general term for providing insurance services to low-income people. The insurance premiums paid by users are relatively low, and they are part of microfinance. They are also the means of financial poverty alleviation promulgated by the government. However, some problems have also been highlighted in the implementation of rural mini-insurance, especially the inadequacies of the legal system of micro-life insurance. Based on this, this article firstly elaborates the existing problems in the legal system of small-sum life insurance in rural areas, and on the basis of this, puts forward the strategies of perfecting it, that it should introduce special laws, improve supporting laws and regulations, improve supervision mechanism and optimize dispute resolution mechanism, Provide legal guarantee for the extensive implementation of rural micro-life insurance.