Research On The Countermeasure Of Exerting The Function Of Precise Poverty Alleviation In Insurance

China's achievements in the poverty reduction strategy, since the reform and opening up is quite significant, by the world's wide acclaim. But the rural population of poverty alleviation, there is a certain room for growth. The number of poor people in rural areas, by the Bureau of Statistics, accounting for nearly 100% of the total rural residents, 7.2% of the proportion of the number reached 70.17 million people. And this situation and the state will be well-off society in 2020 to achieve a comprehensive goal of building a well-off society is not consistent, which shows that China's poverty alleviation also need to speed up the progress. In the traditional way of poverty alleviation,insurance poverty alleviation has always been a means of habitual use, but the current situation has to break it, so that poverty alleviation is more targeted, the population can be lifted as much as possible out of poverty. In view of this, the current poverty alleviation in the existence of such as imperfect policy protection and other deficiencies to improve, with the domestic case of effective poverty alleviation at the same time, but also refer to foreign related cases, poverty alleviation and poverty alleviation success cases need careful analysis , Thus summing up the experience of the current poverty reduction strategy in order to make the poor strong barrier, under the effective poverty reduction strategy.Of course, China's entire insurance system is not perfect at present, which, put forward the "three rural issues" solution, that is, rural micro-insurance, thus filling the rural market lack of insurance system blank. This insurance can reduce the risk of low-income groups in basic life, and these groups happen to be the focus of the need for poverty alleviation in China, in its poverty alleviation, so far, also made some achievements. However, the lack of product innovation and other defects are still there,the group only in these problems have been resolved, the diversified insurance needs can be truly satisfied.This article has a total of six chapters, based on the concept of small personal insurance, select Luojiang City, small personal insurance examples, highlighting the small personal insurance in precision poverty alleviation function, the domestic active poverty alleviation areas such as Hebei Province And Shandong Province and abroad more successful countries and regions, there are still some gaps, such as the unity of insurance products, government supervision is not in place, etc. is still China's development of insurance to solve the problem of poverty alleviation, from the effective case summed up the China's development can learn from the aspects: to expand publicity to improve the awareness of low-income groups of insurance; government subsidies to insurance institutions to introduce low-cost, low-cost security products.