On The Development Of Rural Small-Sum Life Insurance In Hunan

Rural micro-life insurance specifically focuses on the spending power of the majority of low-income farmers, the specific risks to the design of a personal insurance that is driven by governmental organizations, insurance companies or other financial institutions,which is of the two sides---non-profitable and commercial because it can effectively improve the rural level of protection of a large number of low-income families, it can be said that a "benefit to farmers" insurance is an important means of resolving problems involving around farmers,agriculture and countryside, but also to solve the three issues in rural financial an important part of the system reform, so it can be said that is an important measure to build a harmonious society and a new socialist countryside. However, in Hunan and even the whole country is still in the pilot phase, and all aspects of supporting projects and markets are still in the immature stage.The author did a lot of investigation before writing this paper. The author took about30professional insurance students go to several counties and towns to do related research by the way of questionnaire survey between the year of2009and2011to get the real first hand data.Then the author analyses these data and found that the development of the Hunan rural micro-life insurance has a lot of influencing factors, such as lower income of the peasant, weak insurance consciousness of peasant, low the positivity of the business insurance company,the unsatisfied type of the insurance product, uncompleted insurance network and service.The author consults all kinds of data related to the rural micro-life insurance and takes example by the experience of the rural micro-life insurance experimental city of our country and other country.The author discusses the way of development of Hunan rural micro-life insurance deeply, and developes some relevant theoretical knowledge. Then the author gives some reasonable suggestions that can provide the government and insurance companies to do the corresponding reference.And the author puts forward some tentative suggestion about the develop of the laws and regulations in the rural micro-life insurance market,which has the important significance of satisfying the insurance demand of the low-income people in Hunan and the whole country, enlarging rural insurance coverage and improving the rural social security system and the rural financial system.