小额保险是现代金融服务向农村扩散的必然产物,并逐渐成为了一种扶贫开发手段,其目的并不是谋取纯粹的利润,而是不断开发更低保费的保险产品。它选择了传统商业保险和社会保障体系都没有完全覆盖到的低收入人群作为保障对象,将更多的低收入者纳入保障体系,为他们提供可以保障基本生存安全的保险服务,作为一种扶贫手段,小额保险不仅让低收入人群获得了保障,也让政府、渠道和服务商等“捐赠 Micro-insurance is an inevitable result of modern financial services spreading to rural areas and has gradually become a means of poverty alleviation and development. Its purpose is not to seek pure profits but to continuously develop insurance products with lower premiums. It chose low-income people not covered completely by traditional commercial insurance and social security system as the guarantee target, included more low-income people in the guarantee system and provided them with insurance services that can guarantee basic subsistence security as a kind of poverty alleviation Means, micro-insurance not only for low-income people have been guaranteed, but also for government, channels and service providers, such as ”donation