On Probing The Ways Of Developing The Rural Personal Insurance Market In Henan

At present, the rural personal insurance market in Henan is at the beginning of development. The personal insurance has a bright prospect because there are heavy market demands in the personal insurance industry. Commercial personal insurance can provide the peasants who have lower incomes and weaker risk-resisting ability with effective guarantee for their life and production, which is conductive to the rural economic development. Developing the rural personal insurance industry is one of the ways that can solve the problems facing Chinese agriculture, rural areas! and peasants and ensure stability in the life of peasants. Meanwhile, developing the industry of rural personal insurance can improve the social security system in Henan. As the important part of social security system, commercial personal insurance can meet the various and multi-level social needs and can improve to upgrade the whole social standard of living insurance, because it has various services and a broader coverage.On the base of analyzing the facts of the rural personal insurance markets in Henan, such as the insurers, applicants, insurance agents and various services, this thesis is to reveal the cause of the present state with the method of integrating theory with practice. On the base of analyzing potential of development, consumption of psychology and the bound of consumption, this thesis provides the ways of developing the rural personal insurance especially from the external circumstances, such as the circumstance of economy, system, market supervision, policy and market competition, social security and taxation. etc, from the internal circumstances, such as the view of innovation, marketing strategy, etc.We should take the industry of personal insurance seriously and grasp the good opportunity when the state expands domestic demand to treat the rural market of . personal insurance in Henan as our new developing strategy. Thus we can solve the problems facing Chinese agriculture, rural areas and peasants and make contributions to the building a well-off society.