Jilin Province Rural Insurance Market Development Research

Rural insurance culvert almost rural life insurance and rural property insurance, after last year’s survey found ji lin province current rural insurance the main rural life insurance include rural medical insurance rural endowment insurance, children education and rural migrant workers accident injury insurance The main rural property insurance include traditional agricultural insurance,rural family indoor property insurance, motor vehicle insurance,farm machinery of agricultural insurance.These insurance is on the basis of in traditional agricultural insurance, in the founding china’s rural insurance developed slowly because of the economic and political reasons.During the cultural revolution policy direction influence developed also slow,rural insurance product single and backward.Some city insurance products get directly to the countryside,cause insurance business sales lag,can not satisfy the rural market demand,demand and supply many gaps and contradictions, rural insurance product development strategy is more backward,even in the research of this aspect is almost blank,after forward2003in the construction of new countryside,and building harmonious society,the coordinated development of regional realize common prosperity.Rural insurance is a good chance to vigorous development of agricultural insurance is mainly develop more quickly and other rural insurance in government policy support and vigorous development,can see that the intense and farmers willingness of protect intend the insurance market prospect broad.The states made a series of important decision reforms to rural insurance.Launched a series of innovation measures.Especially rural insurance as the innovation support for rural progressing,bing into the rural social development protection system.Meanwhile,due to the increasing insurance market subjects,city market compete more fierce,and operating costs continue to increase.In view of the above reasons,the insurance industry should strengthen rural insurance development strategy research especially rural insurance product development research in order to constantly meet farmers insurance safeguard demand in the process of social development.Vigorously develop rural insurance market and occupy the insurance market dominance to realize the leaping progress.Also help the government from the market view to solve the "rural"questions and constructing to harmonious society so have important strategic significance.This paper mainly adopts empirical analysis and normative analysis method of combining the analysis the insurance market demand,and related factors combined with qualitative analysis and quantitative analysis.and combining with actual data collected material,analysis of various factors influence of consumers to buy rural insurance direction and influence.The main research results in this paper are as follows.The first chapter in this paper mainly analyses the rural insurance and insurance industry at home and abroad of the basic theory;The second chapter basically analyzed the basic made and product research and development strategy;The third chapter analyzes our country rural insurance demand situation,and analyzed the influence of various factors on insurance;The fourth chapter is analysis of market segmentation and market positioning in combination with the characteristics of rural markets insurance for rural insurance market theory analysis,the sizth chapter is according to our country’s rural insurance market demand characteristics and insurance supplies present situation combined with product development strategy defects in the basic theory and market segmentation and positioning strategy,puts forward the basic rural insurance product development strategic constructed.