Countermeasure Research Of The Development Of Rural Micro-Life Insurance In Huizhou

With the rapid economic development, "Three Rural Issues", Agriculture, Rural development and Farmers, appeared in china. In order to solve china’s "Three Rural Issues", we need to set up a range of comprehensive measures in accordance with market economic patterns, and gradually improve the risk controls. Insurance, which plays an indispensable role in the development of the modern market economy, is known as one of the most important ways to prevent risks. For many years, "Three Rural Issues" are among the top concerns and priorities of the Chinese Government. The government file No.1 is always related to solve the problem, and insurance is given more and more attention and policy support.For the insurance industry, one of three pillars of modern financial system, how to comply with the development needs, how to make full use of the stabilizer function of the insurance, and how to service the development of the "Three Rural Issues", are important subjects which need to be solved.Currently most of the commercial insurance company set the high-income groups as their target customers. But for the mass of the low-income groups in rural areas, they are not included in the social security and commercial insurance system. But in fact, rural low-income groups need more insurance. Because of their low income and weak resist ability, they are vulnerable to the risks. Once it happens, it will bring out incalculable consequences.Concerned of the reality of the rural area, we think the Rural Micro-life Insurance which compensate the loss of the rural insurance demand and can better balance the needs and costs, will create favorable conditions for rural residents to prevent themselves from the life risks in economic lifeThe development of Rural Micro-life Insurance in Huizhou, Guangdong, is in a sluggish state now. The insurance demands of rural residents are not fully satisfied because of a lot of restricting factors such as low coverage. Based on the research of Huizhou pattern, this article, through the analysis of current situation of Huizhou, and learning from the foreign practical experience, is aimed to provide policy Suggestions, and aimed to break the deadlock and find a way to the success in Huizhou.This article is divided into seven chapters, the chapter are arranged as following:First chapter, the theory part, is divided into four sections. It introduces the background and purpose of this selected topic, and discusses the referred paper at home and abroad, and at the same time, tells the research methods and the deficiencies. The second chapter is divided into two sections, this chapter focuses on introducing the concepts and theories related to Rural Micro-life Insurance.The third chapter is divided into five sections, mainly introduced the historical background, historical evolution, development situation, basic characteristics and the policy support of it. The discussion of the second and third chapter is aimed to put forward the necessity and feasibility analysis of Huizhou’s Rural Micro-life Insurance Development. The fourth chapter is divided into three sections, emphatically discusses the current situation of the development of Rural Micro-life Insurance in Huizhou, points out that the development in Huizhou is in a sluggish state now and massive potential Market is wait to be developed. The fifth chapter is divided into three, through introducing the development model at home and abroad, it puts forward four advice. Chapter six specific pointed out that the development path of Rural Micro-life Insurance in Huizhou. Chapter vii is conclusion.