The Research Of Commercial Pension Insurance Supply And Requirement

Since1999, China has entered the aging society, especially in rural areas. The problem of ruralold-age security area has become a social problem needed to be solved urgently. This article isbased on the research of the domestic experts and scholars for The rural old-age insurance system,to discuss how to develop rural endowment insurance business.The second chapter is about the basic situation of rural old-age security. Because of the thefamily demographic changes in rural areas and rural to urban transformation process accelerated,the traditional old-age security in rural areas-family pension and Land security is facing thechallenge. The existing rural social pension insurance system is imperfection: the lower securitylevel is low, Endowment insurance management system is imperfection, pension fund value-addeddifficulties and The lack of aggregation effect. In order to improve the rural social security system,meet the pension needs of rural residents, we need to develop the rural endowment insurancebusiness. The rural endowment insurance business is good for improving the level of the existingrural social security, so is helpful to improve the construction of rural social security system. Therural endowment insurance business can make up for the blank area of social endowmentinsurance, expanding the scope of social security in rural areas. And promoting the rural socialendowment insurance in advanced management concept, technical support,social capitalinvestment, increasing the value of insurance funds to preserve. It’s the best time for thedevelopment of rural endowment insurance business, according to the situation of economicdevelopment at present in rural areas of China and the state of rural areas of policy support.The third chapter is analysing the supply and demand situation of China’s rural old-ageinsurance business. On the one hand, the main supply of China’s rural old-age insurance businesssingle, in view of the lack of rural market management pattern and the corresponding endowmentinsurance products. On the other hand, risk awareness of rural residents is not strong, low levels offamily income, high price of insurance product in China’s rural old-age insurance business market.The key factors restricting the development of rural endowment insurance in China is undersupply.This article is based on the development of endowment insurance of Fujian rural insurancebusiness as an example. We found the pension market of rural commercial potential, but the insurance service development estricted by the natural environment, policy environment.The fourth chapter presending the management strategy of rural endowment insurancemarketing. Due to the geographical characteristics of rural areas, rural residents of concentration isnot high. The cost of developing insurance business is relatively high in rural areas. In order torealize the development of the rural old-age insurance business market healthy and sustainable, Itis necessary to promote the reform in rural areas of the insurance marketing management system,the service mode of commercial endowment insurance, construction and management of themarketing and service teams.The fifthe chapter is conclusions and policy recommendations that the Government needs toincrease development efforts to support the rural pension insurance business policy environment.