Development Problems And Solutions Of Rural Micro-life Insurance In Zhangjiakou

As China’s reform and opening up more and more in-depth,"three rural" issuesare increasingly becoming important factors hindering social and economicdevelopment of our country. Whether it is the beginning of the reform programpolicy or regulations promulgated by the gradual economic transformation, all ofwhich show the country are deeply concerned about the "three rural" issues.Since2009, Hebei Province, joined the pilot rural micro-life insurance, lifeinsurance in rural microfinance has become an important part of the rural economy,the social security system in rural areas and rural finance in Hebei Province. With theprosperity of rural development in the rural areas of Hebei Province has a relativelysmall physical solid economic foundation for the insurance market development andprepared the way. Over the last decade, both in urban and rural areas continue tocarry out social security reform, made great progress. But the Zhangjiakou ruralmicro-life insurance market is still in a backward stage, part of the county, especiallyin poor areas, improve insurance marketing system has not been established. Overall,the city’s social security in rural areas relatively slow pace of development, a largereform difficult.In this paper, the basic theory supporting the development of rural micro-lifeinsurance starting, conduct field surveys in Zhangjiakou in Hebei Province demandin rural areas, and the most urgent needs of accident insurance, medical insurance toanalyze both aggregate demand, discusses rural micro Zhangjiakou conduct lifeinsurance business and the plight of the status quo, and finally learn the experienceof rural micro-life insurance development at home and abroad, put forwardsuggestions and countermeasures development Zhangjiakou rural micro-lifeinsurance.Overall this paper is divided into six parts, the first chapter is the introduction,introduces the background and significance of writing papers, research status, ideasand methods of writing, as well as papers try to be creative with less points. The second chapter is the basic theory of rural micro-life insurance, including Maslow’shierarchy of needs theory, Olde Buddha ERG needs theory to explain the pyramidtheory and the theory of the value of life. The third chapter is the most prominenthurt demand from small accident insurance, medical insurance and life insurance aretwo small to analyze the needs of Zhangjiakou farmer groups. The fourth chapteranalyzes the current situation of rural micro-life insurance development inZhangjiakou, which was found in the supply of micro-life insurance, the premiumcharged by the system, the marketing system construction, quality of service andmarketing staff awareness of local farmers insured, there are still difficulties. Thefifth chapter describes the development of rural micro-life insurance cases at homeand abroad and experience. Chapter VI learn from the experience, proposed thedevelopment of rural micro-life insurance Zhangjiakou suggestions, including theeffective supply of rural micro-life insurance, flexible premium collection, perfectmarketing system, improve service quality and enhance the awareness of farmersinsured in five areas.