Research Of Hebei County Insurance:Present Situation And Countermeasure

County insurance refers to all insurance services for rural organizations and individuals, in the county, township. It includes property insurance, personal insurance, liability insurance, agricultural insurance and other insurance. The development of county insurance have different levels of benefits for the insurance company, the county residents, government participation.For insurance companies, the insurance is untapped virgin land, is also a new growth point.China’s reform and opening has been experienced more than30years, the county economy has greatly developed, the consumer to the insurance demand and insurance consumption capacity has reached a degree, especially in the coastal areas, economic development level and scale is as good as the mainland provinces cities, the potential insurance demand for a considerable scale. The insurance company enter this area at this time have good prospects to gain. The insurance company for the development of city of the insurance market has become more and more better, since the city of the insurance market has become white-hot, city of the insurance market profit level is still low.For insurance companies, the insurance is untapped virgin land, is also a new growth point. Process for China’s reform and opening up30years, the county economy has developed greatly, the consumer to the insurance demand and insurance consumption capacity has reached a certain degree, especially in the coastal areas, economic development level and scale is not less than the mainland provinces cities, the potential demand for insurance group with considerable scale. The insurance company at this time to enter this area is to have good prospects of gain. Secondly, the insurance company for the development of city of the insurance market has become more and more perfect, for the city of the insurance market has become white-hot, city of the insurance market profit level is low.For county residents, insurance companies and deep into the county insurance market, the development of appropriate county people required insurance products, to meet the needs of local people. First of all, with the development of economy, people’s participation in social and economic activities have become increasingly frequent, the probability of risks are increasing. In addition to the understanding of risk, the risk increased demand. Secondly, with the increase of people’s hands idle funds, the bank interest rates is not ideal, people urgently need new investment channels, participating insurance products can meet the needs of people and investment and pension.Insurance companies have come into the county insurance market, developed appropriate insurance products for the requirement of the county residents and the needs of local people for county residents. First of all, with the development of economy, people have become increasingly frequent participated in social and economic activities, but the probability of risks are increasing. With the understanding of risk, the needs to guard against the risk were increase. Secondly, with the increase of people’s hands idle funds, and the bank interest rates is not ideal, people urgently need new investment channels, participating insurance products can meet the needs of people’s investment and pension.For the government, the development of county insurance will increase the ability to bear the risk, it is also conducive to the development of regional economy. And the commercial insurance also share a part of the social security burden of the government. Suitable insurance products of the area insurance could also provides a situation to solve the peasants’ living security. According to the agricultural insurance products also enables the government to achieve maximum security use the limited funds.Analysis on the current situation of our country and the county insurance problem can help insurance companies and the government better understand in this field. Analysis of the existing problems for insurance companies and insurance potential help insurance companies to make better decision in the insurance area, it also provides a method to perspect and improve the insurance company the service the county insurance. According to analysis the county insurance development difficulties, the government can make it more clear to use county insurance to serve economy. Combining with the development of Hebei province county insurance, for the only single sample,analysis of Hebei Province, provides some reference significance for other provinces’ current situation of county insurance.