The Research On Influence Factors Of Demand To Village Micro-insurance

Contemporary social market economy is an important feature that finance is essential for the development of the industries backing and support one factor of the prerequisites. In China, the number of rural population is a very huge country, so the development of the rural economy is currently in the development of the entire national economy significant issue., of course, these processes are inseparable from the sustainable development rural financial system and reform the financial system.Rural micro-insurance specifically focuses on the spending power of the majority of low-income farmers, the specific risks to the design of a insurance that is driven by governmental organizations, insurance companies or other financial institutions,which is of the two sides--- non-profitable and commercial, because it can effectively improve the rural level of protection of a large number of low-income families, it can be said that a "benefit to farmers" insurance is an important means of resolving problems involving around farmers,agriculture and countryside, but also to solve the three issues in rural financial an important part of the system reform, so it can be said that is an important measure to build a harmonious society and a new socialist countryside.Firstly, after a review of large number of documents, summarizing results of previous studies on the basis of relevant theories of rural micro-insurance a more systematic overview; secondly author and research team in Hunan to do more of the rural sample Random questionnaires and interviews, the Hunan rural microinsurance market situation analysis done; and third, on the basis of first-hand data obtained, the author focuses on the impact of micro-insurance in rural Hunan demand for the various factors in depth empirical analysis; and finally, on the basis of the conclusions of the analysis on the way to the development of rural micro-insurance market in Hunan were a useful exploration, expanding the scope of some of the theory of practice, while the government and various types of agriculture-related insurance, financial institutions provide some countermeasures and suggestions.Various reasons led to the development of the insurance market in rural areas compared with lagging rural micro-insurance comply rural insurance needs emerged, and its development in all aspects also are still being explored, the demand factors which affect this article to start discussions with a view to rural finance system reform and new rural construction to provide some meaningful theoretical and practical reference.