随着经济的不断发展，保险业以它特有的分散危险、经济补偿基本职能，无可争议的成为整个金融业三大支柱之一。然而自商业化以来，在利润的驱使下，其市场定位一直偏重于收入稳定、相对富裕的群体，反而忽视了最需要危险分摊的弱势民众，对保险制度本身无疑是巨大的讽刺，因而当小额保险在一些发展中国家成功推广时，这种以中低收入者为市场定位的保险创新很快受到了各国政府和业界学者的关注，一时如何发展小额保险成为保险业界关心的重要话题。本文采用定性与定量相结合的分析方法，在对国外小额保险发展情况进行深入分析的基础上，结合我国保险业现状，以探讨适合我国小额保险的发展路径。 首先，从小额保险的定位和概念入手，对小额保险的目...With the continuous development of economy, the insurance has undisputed been one of the three pillars of the whole financial industry with its unique basic functions of risk-sharing and loss compensation. However, since it was commercialized, driven by profit, its market-positioning has always been focusing on people with stable revenue and relatively rich group, but the vulnerable persons, who n...学位：经济学硕士院系专业：经济学院金融系_保险学学号：1562006115105
