Research On Present Situation?Problems And Countermeasures Of The Life Insurance In Rural Area Of Hebei Province

Hebei province is a rich agricultural province, with grain planting area of 6.32 million hectares and total output of 33.65 million tons. There are more than 54 million farmers, accounting for 80% of the total population in the province. At present, the rural life insurance market in Hebei province is in the early stage of development. Developing the rural life insurance market can help to solve the problem of "Agriculture, Rural areas and farmers" and consummate the local social security system. As an important part of the social security system, the commercial insurance is various and adaptable in wide range which can meet the demand of social security at different level and improve the whole level of the social security. Through studies on the situation and problems of Hebei rural life insurance market, summarizing the experience and lessons of Hebei rural life insurance market, actively seeking the countermeasures of Hebei rural life insurance market, this article has very important theoretical and practical significance.This paper mainly includes four parts as below:1. The theory part, such as the connotation of the rural life insurance, social welfare theory, diversified social welfare theory, social embedability theory, demand for different level theory, in order to lay a theoretical foundation for the later research. 2. Analyzing the questionnaires conducted by 1000 farmers in Hebei to understand current situation of the development of rural life insurance market in Hebei province and the existing problems; 3. Analyzing the advanced experience of developed countries such as Japan, Germany and other countries to work out corresponding measures according to the current situation of rural life insurance market in Hebei province; 4. according to the problems occurred in development of rural life insurance market in Hebei province, putting forward the measures to solve these problems, such as perfecting the development planning and policy support of rural life insurance in Hebei province; Accelerating the harmonious development of commercial insurance and social insurance; Earnestly developing the publicity of rural life insurance; making marketing strategies for the rural life insurance etc., in order to solve the existing difficulties of rural life insurance market in Hebei province.The life insurance business on the idea of "people first" is seizing the opportunity of expanding the domestic demand and taking the development of Hebei rural life insurance market as its new strategy to solve the problem of "Agriculture, Rural areas and farmers"and contribute itself to build a well-off society.