论中国小额保险法律制度的完善

小额保险是近年来在部分发展中国家兴起的一类特殊商业保险，其理论基础包括保险市场分层理论和金字塔底层财富理论。小额保险法律制度的完善是小额保险健康发展的前提和保障。小额保险法律制度的渊源包括国际法和国内法两个层面，并主要体现为国内法；其内容主要包括小额保险的类型、合同制度及监管制度。中国小额保险立法存在层级过低、操作性差等缺陷，故亟待完善。

On the Perfection of Microinsurance Legal System in Our Country

As a particular commercial insurance,the microinsurance has become popular in some developing countries in recent years,which is grounded by theories of segmentation of insurance market and the bottom of the pyramid.The legal system is the precondition and guarantee of the sound development of microinsurance.The legal sources of microinsurance include both international law and domestic law,in which the latter is more important including the category of microinsurance,the contract system and supervision sys...