The Research Of Insurance Industry Participates In Grass-Roots Social Governance

In the risk society,people's lives and properties are exposed directly under various social risks such as natural disasters,traffic accidents,fires and theft,and the difficulty of social governance at the grass-roots level is increasing day by day.As a market-oriented risk transfer mechanism and social mutual aid mechanism,insurance can reduce people's economic losses and improve people's risk response ability.It is of great significance for the modernization of social governance system and governance ability to promote the integration of insurance industry into grass-roots social governance.First,using the social risk identification,social risk assessment and social risk transfer mechanism of insurance to introduce professional risk management talents,risk management technology,cost control technology,network services,etc.of insurance industry into the field of grass-roots social governance will help improve the ability of grass-roots social risk prevention and control.Second,as an important component of the market,insurance industry is one of the important subjects of social governance at the grass-roots level,which can undertake some social governance functions of the government to resolve social conflicts and maintain social stability.Promoting the integration of insurance industry into grass-roots social governance is conducive to the realization of “Polycentric governance”.Third,promoting the integration of insurance industry into grass-roots social governance is an important way to improve the level of socialization and specialization of grass-roots social governance,which is conducive to the modernization of grass-roots social governance ability.As a practical form of insurance industry participating in grass-roots social governance in Jiangxi Province,“Social Security Insurance” plays an important role in preventing and reducing social conflicts and maintaining social stability.This research adopts the methods of literature research and interview,and through the field investigation of Shangrao City,Jingdezhen City,Pingxiang City,Yichun City,Ji'an City,Ganzhou City and Jiujiang City under the jurisdiction of Jiangxi Province,we can fully understand the actual situation of insurance industry's participation in grass-roots social governance in Jiangxi Province.On this basis,based on the theory of cooperative governance,this study makes an in-depth empirical analysis of the practical difficulties and causes of insurance industry's participation in grass-roots social governance in Jiangxi Province,and puts forward corresponding countermeasures.The results show that Jiangxi Province has made great efforts to promote the insurance industry to participate in the grass-roots social governance since 2014,and paid attention to the guidance of the government,the implementation of the main responsibility,and the construction of network platform,which has achieved good results in grass-roots social governance.However,Jiangxi Province is facing serious practical difficulties in promoting insurance industry to participate in grass-roots social governance.The specific performance is as follows: first,the insured rate of“social security insurance” is low and fluctuates greatly;second,the public awareness of “social security insurance” is low,and the social influence is insufficient;third,the promotion of “social security insurance” is chaotic,and there are great regional differences;fourth,the phenomenon of administration is serious,the government“offside” management.The reasons for the dilemma of promoting the insurance industry to participate in the grass-roots social governance practice in Jiangxi Province lie in the following aspects: the management idea lag,unreasonable product design,weak propaganda and lack of clear working mechanism.In the new era of socialism with Chinese characteristics,in order to further promote the insurance industry's participation in grass-roots social governance,we must do the following:first,accelerating the transformation of the management idea of “social security insurance” and advocating the idea of cooperative management;second,paying attention to the integration of resources and expanding the “social security insurance”team;third,optimizing the design of “social security insurance” and enhancing the attraction of it;fourth,strengthening publicity and improving the recognition of“social security insurance”;fifth,improving the working mechanism to ensure the orderly operation of “social security insurance”.