Research On Rural Credit Insurance Development In Daqing

Rural micro-credit insurance is a service delivery which focuses on rural financial. Itintroduces insurance mechanisms to rural financial institutions which can prevent and reduce thecredit risk of rural financial institutions. It can help the rural credit cooperatives and otherfinancial institutions to transfer the credit risk effectively. It can reduce the risk of loans of creditcorroborative in rural areas and expand its credit line to alleviate the farmers getting loans. Itbrings premium income for insurance companies, expands the influence of insurance in ruralareas and improves farmers’ insurance consciousness. You can say that the development of ruralmicro-credit insurance can make micro-credit institutions, insurance companies and the farmersachieve good results at the same time.On the basis of the supply and demand theory, financial innovation theory, niche strategytheory and knowledge of the bottom of the Pyramid. Through by Interpretating the rural creditcooperatives of Daqing micro credit insurance transfering credit risk, promoting sustainabledevelopment and improving insurance market. The development of rural credit cooperatives ofDaqing micro credit insurance. Development mode of rural credit cooperatives of Daqing microcredit insurance. On the basis of case analysis about the development of Rural Micro CreditInsurance in Zhaoyuan. Found a series of problems about the low farmer identity, the lack ofproducts and services, disorderly competition on insurance market. Offering countermeasureproposal about enhancing the publicity on rural micro credit insurance, improving the productsand services on rural micro credit insurance. The establishment of the system of fiscal subsidiesand regulatory mechanism.