The Comparative Analysis Of International Life Micro-insurance And Enlightenment

In the new century, China began to face a serious problem:the ageing of the population crisis.Our national living standard will get a great impact because of the rapid ageing.By economic development,Chinese socialist construction has entered a new era,rural economic development and improve the living standards of residents have become our current problems.It need to be resolved with the building of new socialist rural economic and national society. The study objective of this thesis is the strategic implement of China Life Insurance Company using strategic management theory, the method of quantitative analysis shall be adopted to determine strategic implement for China Life Insurance Company. The key problem in present will be painted out through introducing the history and present condition of China Life Insurance Company.Rural social endowment insurance is country social security important component. Right away our country at present, Need to think of the problem resolving "three agricultures", key is to ensure that peasant's rights and interests is ensured sufficiently, Solve having anxiety over one's rear. With the fact that industrialization, propulsion, aging of population modernizing, urbanizing a course's accelerate, the family prepares land providing for the aged ensuring function reduction, add that ceaseless people's moral concept change, our country rural area tradition family provide for the aged way suffers to enormous impingement. Starting from 1980's medium term, our country begins to probe building-up rural social endowment insurance, but always in the past do not bring its function into play. Therefore, build the rural social endowment insurance according with our national condition, be of great importance from the problem resolving peasant's providing for the aged fundamentally, to the social who ensures peasant rights and interests, promotes rural economy social development, builds new rural area of socialism, structures a socialism harmoniously.Life insurance takes an important part in social security system,the "Three rural" issue is the core issue of farmers.At present, the "Three rural" issues rarely take into account the farmers of old-age problem. Some scholars will study the rural old-age security system in rural areas focus on the issue of pension countermeasures research,they did not pay attention to the integration of urban and rural peasant groups took place under the division of reality or have already noted that,and they also failed to fit the national conditions of China's idea of building the system. So Chinese rural endowment problems has important significance. Chinese rural social endowment insurance system after 20 years of development in the rural population ageing trends and the impact of factors such as changes in the family structure, their development has been lagging behind in socio-economic development. In the ageing of the population and socio-economic development of the dual pressures of the rural old-age insurance system reform is to explore new forms of rural social endowment insurance, as well as the development path of the dual economic structure protection made choice is highly theoretical and practical significance.Commercial insurance of the social security system is an important part of the country's political and economic development played a "stabilizer".Seventeen of the party's also very concerned about the large new socialist countryside construction, and a relatively sound social security system as one of the goals of a well-off society and at the same time to put conditions in place, to explore the establishment of effective rural old-age security system, so that Farmers a sense of security, a secure old age. We can see that the Party Central Committee and State Council have attached great importance to the issue of old-age farmers, as a business, life insurance companies, are duty-bound to do a good job in the rural old-age insurance for the broad masses of peasants to provide life insurance protection.Now some insurance companies have been active in developing the rural old-age market and make some measure of success. However, due to Xiaonongyishi farmers, the government is not in place, life insurance companies in promoting rural development in the new driving force has always been inadequate, and there have been a lot of problems. The purpose of this paper by analyzing the life insurance company in the rural old-age market development, lessons learned, and put forward practical suggestions related to boost life insurance company as early as rural endowment insurance market to develop and increase the life insurance company Participation, a wider range of people Quo.The prolegomena describes the basic issues of this paper, the current research situation, along with the context, goals of this research, along with the methodologies and technologies used. The first part of the stage to introduce the new system, the building of rural life in the rural old-age insurance market, despite the development, but because in the early stages of exploration, so there are many problems. The second part describes a number of countries representative distinctive rural old-age insurance system, which sum up the experience and lessons drawn inspiration recommendations. The third part of the existing old-age insurance in rural areas of business management problems from the operating mechanism put forward, such as insurance products, marketing systems in areas such as innovative thinking. The fourth part of the analysis of the problems and put forward positive suggestions, to play an active life insurance companies in the new rural construction of the new features of the system. This will help farmers solve a sense of security, relying on old age, while moderate to ease the unemployment pressure on the labor force,employment and promote social re-employment, narrowing the urban-rural income gap and reduce social friction and reduce Social instability to the social impacts and enhance social stability.From the research point of view, as well as ideas proposed in this paper, on the basis of previous studies to Marxist dialectical materialism and historical materialism as a guide.The use of modern economic theory, it is important to adopt literature research, as well as empirical analysis of the use of supplementary norms and analysis, qualitative analysis and quantitative analysis of a combination of research methods. In China's rural social and economic reality of conditions on the basis of empirical analysis,foreign farmers social old-age insurance system's successful experience, explore the design of China's rural areas and the actual development of the socialist market economy requirements of the rural old-age insurance business management system.