Research On The Predicament And Countermeasures Of Rural Commercial Insurance In Guangdong Province

Rural commercial insurance is an important part of China's insurance industry, as well as long-neglected part. While, in 2005, China Insurance Regulatory Commission had pointed out that the development of rural insurance market, the financial support the "three rural" an important way to serve the national economy, but also the needs of sustainable development in China's insurance industry. However, China rural commercial insurance is still developing slowly, lagging far behind the urban insurance market. In order to promote China's rural insurance market, especially the development of rural commercial insurance market, in 2012, China Insurance Regulatory Commission and the Ministry of Finance have been issued a notice requiring all insurance companies with all aspects of the local financial sector to increase efforts to promote the development of rural insurance market, deepen Insurance undertakings with Chinese characteristics.Therefore, China's rural insurance market not only has a broad market space, more favorable policy support, rural insurance market will become another growth point of China's insurance industry. Currently, many insurance companies are still on the sidelines rural insurance market, therefore, for China's rural insurance market research, and promoting the insurance company to enter the rural insurance market.This paper presents the concepts of commercial insurance in rural areas, on this basis, combined with the new urbanization background, refer to the relevant research results, by thinking in terms of commercial insurance in Guangdong Province Rural development, current development and existing problems. The use of rural insurance density, insurance penetration, as well as rural per capita net income of rural population in Guangdong Province needs its rural insurance market, as a basis for proposed countermeasures commercial insurance Guangdong Rural Development.This paper is divided into six parts; in the preface, introduces the background, purpose, significance, methods, and lack of innovation, but also theoretical researches have made a summary; the second part is related to conceptual analysis; third part is the development of commercial insurance in rural Guangdong Retrospection; The fourth part is the development of commercial insurance in rural Guangdong plight; The fifth part is the opportunities and challenges of commercial insurance Guangdong Rural Development; The sixth part is related countermeasures.This study concluded that:1 from Guangdong rural insurance density, depth, population groups and data analysis of the per capita net income, demonstrate the commercial insurance market in Guangdong Province Rural huge potential; 2 Guangdong rural commercial insurance products, marketing, team. terms of construction, the external environment, there are some problems; 3. development of commercial insurance in rural Guangdong, in addition to the insurance company's own efforts, but also need the support and supervision of social supervision forces the government.