Baoding Rural Micro Insurance Mode And Promotion

The micro-insurance is the important point that the country try to deal with the "agriculture rural areas, and farmers" problem, is it not only insurance,but also a financial tool for poverty alleviation that lower all kinds of risks’attack to low-income person. As a perfect social security system, the low-income person pays more attention to the rural micro-insurance. It has made progress in some countries. The micro-insurance in our country has development, but it has some problems that high costs makes the insurance’s supply can not meet need. The rural micro-insurance’s product is single and it can not meet the variety needs of low-income person. Now the domestic insurance takes different methods in business management and sales channel,there are main three models:the first is purely commercial model of operation.the second is the semi-commercial model of operation in policy support. The third is to establish the mutual insurance system and the cooperative organization. Because the micro-insurance development is closed with social environment and policy environment, it is different from the commercial insurance’s other products. But the study of micro-insurance’s model is luck in our country.This articles want to further analyze the situation of the micro-insurance’s model and the problems of Baoding through the study of the domestic micro-insurance’s development model,and give some advices to our micro-insurance’s development model, and give some advices to our micro-insurance.