Commercial Insurance InvolvedI In Rural Social Endowment Insurance

In recent years, the rapid development of economy, the insurance industry in Yunnan Province, Deng Xiaoping Theory and the important thought of "Three Represents" as guidance, earnestly implement the party’s policies, firm establish political consciousness, responsibility consciousness and awareness of the overall situation, to grasp the opportunities and the healthy development of the insurance industry, adhere to the Scientific Outlook on Development guide, with the construction of the market system as the basis, taking the structure adjustment as the main line, to reform and innovation as the driving force, to strengthen supervision, to guard against the risk of security, creating a new situation in the vigorous development of the. However, Yunnan Province, the overall scale of insurance is relatively small, the function is not comprehensive, covering rate is low, did not fully play a very good role, for now the social and economic development cannot meet the demand, more or less, there are still many problems and deficiencies. Insurance has the economic compensation, financing and social management functions, is the basic means of risk management under the conditions of market economy, is an important part of the financial system and social security system, plays an important role in building a harmonious socialist society. In recent years, the Yunnan provincial Party committee, the provincial government has formulated a series of policies and measures to support, promote the sustained and rapid development of the insurance industry of the province, insurance institutions have increased continually, insurance business to expand, insurance supervision is becoming more and more perfect, has formed the coexistence of various forms of organization, function relatively perfect system of insurance market, the insurance industry has become one of the fastest development in Yunnan province industry. The practice proved that, Yunnan Province as a natural disaster prone, the economic base is relatively weak in ethnic frontier provinces, speeding up the development of the insurance industry, help to improve response to the disaster accident risk level, safeguard the people’s life and property safety and stable operation of economy; is conducive to improving the social security system, meet people’s multi-level security requirements, implementation social stability and harmony; conducive to optimizing the allocation of financial resources, improve the province’s financial system, promote the financial and economic relations; it is advantageous to the coordination of the various interests, effectively solving social contradictions and disputes, improve the economic compensation mechanism of socialization, promoting social management and public service innovation.As China’s current social security system is an important part of commercial insurance, to provide a good supplement to adapt to China’s different social groups and different requirements to the security needs of the. The face of China’s aging degree increasing, the construction of the social endowment insurance, old-age security system as the main commercial endowment insurance for the supplement, and Study on the combination between the two, to explore the coordination mechanism, not only the comprehensive construction of our country’s social security system has a long-term significance, also has a far-reaching impact on the healthy development of on China’s Business insurance company. In this paper, through the study of the present rural security system, analysis of the development of the security model in the rural areas in China, discusses the main problems in the current endowment insurance system in rural areas, analyzes the feasibility of commercial insurance in the rural old-age insurance market. At the same time, discussed the related influencing factors of commercial insurance in the rural old-age insurance market. On this basis, some countermeasures were involved in commercial insurance of rural endowment insurance from the insurance company and put forward the point of view of the government.