Research On The Development Of Rural Commercial Insurance Heilongjiang Province

China’s insurance industry has been developing rapidly since the 80’s.As an important part of the commercial insurance, the main part of the rural commercial insurance is the insurance company, the township farmers, the township enterprise, the township government. Along with the improvement of the living standard of the rural population. The farmers’ consumption ability is increasing. For insurance demand is also increasing. After 2000. Heilongjiang Province, a number of insurance companies in the city’s insurance market sales network coverage, insurance services are becoming more perfect. With the increase of insurance, the city insurance market is highly competitive. Heilongjiang province rural insurance market prospects, Farmers’ insurance consciousness raising insurance demand. The insurance companies have entered the rural insurance market to expand the rural commercial insurance market. Development of insurance products for rural residents, Meet the insurance needs of rural residents. First, people’s risk prevention awareness. Second, with the improvement of the level of rural economy, farmers are increasingly rich, so there is an increasing awareness of the farmers’ financial management. Third, the rural commercial insurance can share the government’s responsibility for the rural construction process.So this paper has some practical significance in the development of rural commercial insurance development potential. In this paper, the development of rural economy in Heilongjiang Province as the research background. On the basis of the analysis of the current situation of rural commercial insurance, the paper analyzes the basic situation of rural commercial insurance development, and the basic situation of rural commercial insurance development. Through questionnaire survey, the farmers’ demand will be analyzed from the aspects of economic development, farmers’ age, education level, insurance awareness and so on. Found that the development of rural commercial insurance products in Heilongjiang province is not adapted to the market demand, rural commercial insurance agencies lack of market value and investment, insurance market sales personnel shortage, weak regulatory issues and other issues. Mainly to establish and improve the rural commercial insurance system, strengthen the supervision of rural commercial insurance market in Heilongjiang Province, establish a good reputation, and put forward countermeasures and suggestions.