Study On Insurance Issues Of China’s Rural Micro

With the strengthening of risk awareness, people increased demand for personal risk. Life insurance that its unique risk diversification,economic compensation and benefits functions, are more and more concerned.Currently, commerical insurance company mostly aimed at middle and high income groups, most low-income people are excluded outside the scope of the insurance and social security. With the promoting of the integration of urban and rural areas, rural social and economic development is rapid, the insurance consciousness is growing, insurance demand is increasingly intensed, therefore it necessary to promote the development of rural small personal insurance, to cover the insurance gap for farmers, and provide better service for rural residents for avoiding personal risk.In year2010,"the central file no.1" clearly put forward "the development of rural microfinance insurance" to show the determination of government to service rural and ensure people’s livehood. At present, the rural small life insurance has achieved great development in the pilot provinces, rural small small life insurance, accident insurance, health insurance, etc have different levels of development, to some extent, can solve the problem of rural basic living of the low-income group, to protect the interests of rural residents and played an important role in building a harmonious society. But due to the development of rural small life insurance in our country is still in the exploration phase, insurance coverage is not high, the insurance needs of low-income rural population has not been met. Along with our country farmers living scattered, with a relatively low ability to pay, insurance consciousness is weak, how to do the rural residents willing and can afford a small life insurance, and constantly expand coverage, this is our country, is the world common challenges faced by small personal insurance in the countryside.Based on this, this article will focus on small rural personal insurance as the research object. Mostly on the following several aspects: first, this paper mainly introduces selected topic background, research purpose and meaning, theory of rural small insurance overview, elaborated our country rural small personal insurance development present situation and the existing problems, the second in cangzhou city, hebei province as a case analysis of the influencing factors of rural small life insurance demand in China. Three from the existing two aspects of the mode of a small life insurance products and elaborates on the development of international small rural personal insurance, it is concluded that the development of rural microfinance in China life insurance need to provide products suitable for rural low-income groups, the government’s vigorously support and the need to establish an effective operating model of enlightenment. Four is to strengthen publicity and customer service, reasonable premium collection, the mode of the combination of product development and sales, effective, policy support and regulatory measures are given to promote the sustainable development of rural microfinance in China insurance advice.