China's Rural Motor Vehicle Insurance Product Optimization

Optimization of rural motor vehicle insurance products, is the use of financial and insurance theory, the system of insurance companies to provide insurance products and insurance-related services, the analysis of the rural market and insurance companies facing problems in the reconstruction of the original analysis and research of the insurance productsdoes not change the case of insurance products, the nature of the product structure adjustment on the basis of insurance products in rural market has a greater value in use and value. The significance lies in rural motor vehicle insurance product optimization: one by the insurance optimization policy to enhance the optimization power of auto insurance products in rural areas; two to solve the bottleneck in the development of insurance companies encountered in the operation of rural auto insurance; for the majority of farmers provide consumers with more auto insurance choice; four come to the founding of the insurance company to better serve rural auto insurance market; better serve new rural construction.The main contents of the paper are:the optimization of rural motor vehicle insurance. This paper presents the concept of rural motor vehicle insurance, and its optimization criteria and optimization principles, analysis of the optimum power of the product. Operational point of view from the rural motor vehicle insurance product specific optimization level in rural motor vehicle insurance products related to latitude of the rural motor vehicle insurance, and in these latitudes on the basis of product design and product portfolio design the basic principles and the level of the product portfolio, the general idea of the design of the combination of motor vehicle insurance in rural areas. Optimized by the product of developed countries in contrast to international power and product of the system of latitude rural motor vehicle iusurance product optimization, product optimization towards the rural market, rural motor vehicle insurance product optimization strategy monitoring index system, rural motor vehicle insurance seems extremely important to do enough to optimize the core back-security establishment and improvement of a deep discussion.The research method is:historical comparison to research and follow-up study law, learn from the achievements of others, using the contrast method.Research ideas in this article is to give full play to the insurance function of the angle of departure on the basis of lessons learned to draw domestic and foreign insurance products optimized for the new situation and new problems encountered in the development of China's rural auto insurance from the operational point of view our optimum power of the motor vehicle insurance in rural areas, methods, product design ideas, back-up protection, perfect and policies to adjust their thinking.The paper is divided into five chapters. Chapter1introduces to the background and significance, the research status and the research methods, ideas and frameworks, optimization and less than four parts. Chapter2is the theoretical explanation of China's rural motor vehicle insurance product optimization. Chapter3rural motor vehicle insurance products to optimize the current situation and problem analysis. Chapter4is to draw international motor vehicle insurance product optimization. Chapter5Suggest for Optimization of rural motor vehicle insurance products.