摘要：农村小额保险的服务对象主要是农村低收入群体.由于其保险金额较小,保费较低、保险期限较短、手续简便等特点,农村小额保险已经成为一种有效的扶贫与农村金融发展手段。江苏省作为全国经济领先的大省，在小额保险这一领域率先了开始试点推广，并对小额保险在江苏省发展的制约因素以及发展需求开始持续不断的研究与探讨。本文基于对小额保险购买意愿的调查数据，旨在分析影响小额保险发展的制约因素以及立足于各方来提出更好推行小额保险的对策。

关键词：小额保险，调查，制约因素

Abstract：The petty insurance services is targeted at low-income groups in rural areas. Because of its insurance amount is small, the characteristics of lower premiums, insurance period is short, simple procedures, petty insurance services has become an effective poverty alleviation and development of rural finance means. Jiangsu Province as the country's leading economic big province, in the field of petty insurance services to start pilot promotion, and the small insurance in the restricting factors of development in Jiangsu province and the development demand began to ongoing research and discussion. This paper surveys of micro-insurance purchase intention based on constraints, aims to analyze the influence of microinsurance development and based on the parties to put forward countermeasures to promote micro-insurance better.

Keywords: The petty insurance services, investigation,restraining factor