The Development Research Of Small Rural Personal Insurance In Hebei Province

Small rural personal insurance is an effective means of financial poverty alleviation and an important part of microfinance in our country.lt is mainly to serve the rural poor, with premium amount is small, moderate, policy simple easy to understand, underwriting, claims and so on.Started in 2009 in hebei province rural microfinance pilot insurance, many insurance companies to actively participate in, constantly develop new products, explore new marketing channel.Governments at all levels and various policy support for the rapid development of small rural personal insurance in hebei province provides a good policy environment.After several years of development, rural small personal insurance in hebei province has made great achievements, to rural low-income people have provided the certain security.But in the process of the development at the same time there is insufficient effective demand and limited supply and other factors that limit the development of the.Thus, based on the fully understanding of hebei rural microfinance development environment and on the basis of current situation of the development of life insurance, explore factors restricting its development.At the same time learn from the successful experience of rural small insurance development at home and abroad.Explore suitable for the development of rural small personal insurance in hebei province road, give full play to the rural microfinance personal insurance financial function of poverty alleviation.This article is divided into six parts.The first part introduces the background of thesis writing and significance, research status at home and abroad, research methods and ideas.The second part summarizes the small rural personal insurance theory basis.The third part expounds the small rural personal insurance in hebei province development environment, development actuality and significance.The fourth part according to the survey data in hebei province were analyzed from two aspects of demand and supply of rural microfinance pilot status and existing problems of personal insurance.The fifth part expounds the successful experience of small personal insurance development at home and abroad, summarizes its revelation to the development of small rural personal insurance in hebei province. Sixth part from three aspects, such as farmers, insurance companies and government put forward the countermeasures and Suggestions to promote the development of small rural personal insurance in hebei province.