Study On The Business Risks Of Rural Life Insurance

The life insurance industry is highly developed and modern social progress go together. With the booming Chinese economy after reform and opening up, China’s life insurance business also got a track of rapid economic development.1982a formal resumption of commercial life insurance operations business, end of2006the WTO transition period full integration in the international insurance market, China life insurance has only been used for nearly30years, go out to Europe, Japan and other developed countries hundreds of years on the road of the life insurance industry. However, compared with developed countries, China’s life insurance industry is still in its early stages, in the theory of risk management, risk management, risk control and prevention level there is still a certain gap. At the same time, with the rapid development of China’s insurance market and insurance, business life insurance products in life insurance company faced come from many of the risks associated with the procedure, these risks not only to the life insurance company, and has serious implications for society as a whole.For the effective control of the risk of life insurance business in the countryside, fill the risk of vulnerability management to guarantee efficiency and motivation of rural insurance business life insurance company, risk, insurance and other related theories and methods of use in this article, first, the national rural development carried out a general review of life insurance. In General, think life insurance business development in rural areas of China are still relatively backward, and insurance companies for management of rural life insurance business vulnerability, awareness of farmers insurance, insurers in the life insurance business of managing rural markets faced a greater risk. Second, China life insurance company operating in rural areas, for example, on main rural life insurance operation in our country risk analysis, was presented and resolved originating from rural insurance marketing, insurance, consumer, insurer’s risk, considered rural life insurance business risks has shaken a wide, hazard characteristic of concealment is big, strong, the long incubation period, and further in-depth study of the main causes of risks. Last, in above analysis of Foundation Shang, from established rural insurance marketing Member incentive mechanism, and strengthening inverse select control, and strengthening fraud control, and strengthening insurer itself risk prevention, area, made has rural life insurance business risk of control and prevention measures, which, breakthrough has traditional of life insurance company itself simple control method, increased has incentive measures and legal means, note Coalition sector and social forces, implementation Omni-directional, and clock, and stereo control anti-strategy.Of course, life insurance, there are many issues that need further research, such as insurance risk control and prevention system of construction, innovation, development of risk management methods and tools, and insurance risk control, risk control risk retention, and so on.