Research On The Development Of Mutual Insurance In China

Mutual insurance organization is a kind of special insurance organization form with characteristics of cooperation.Allowing and encouraging the development of various insurance organization form in our country,not only enrich the insurance industry organization form,but also fully meet the insurance demand from different levels of insurance consumers,and has an important significance on the expansion of insurance market.The research of this paper includes the following parts:In the first part,based on the definition and characteristics of mutual insurance organizations,analyzed the classification and advantages of mutual insurance organizations.It is found that there are great differences between Mutual Insurance Companies and Mutual Society in organization size,business scope and business model.The second part,draw the valuable experience of mutual insurance by analyzing the development process of Mutual Insurance Companies and Mutual Society.The primary stage of insurance market,the Mutual Insurance Companies is an effective means to cultivate the insurance market,thus appeared Mutualism Movement.In the era of globalization,the Mutual Insurance Companies facing the fierce competition with the stock insurance company.Due to congenital defects of its capital financing,Mutual Insurance Companies is not easy to expand the business scale,resulting in De-mutualism Movement.Even so,Mutual Insurance Companies is still able to occupy 27% of the world's insurance market share.Especially after the financial crisis,the advantages of Mutual Insurance Companies' s low leverage has been highlighted,triggering a new trend of Re-mutualism.Mutual insurance society is small but refined,can play a strong role in a certain area,especially in the rural areas,which can give full play to the social effects of mutual aid.In the third part,studied on the current situation and exist problems of mutual insurance in China.Summed up the status and problems of Mutual Insurance Companies and mutual insurance society respectively,using Sunlight Agricultural Mutual Insurance Company and Fu Long Rural Mutual Insurance Society as example.At the same time,analyzed Internet mutual platform,using Anti-cancer commune agency and E mutual agency as examples.Mutual platform belongs to "resemble mutual",which is not a form of mutual insurance organization.And there are many problems in the process of its development.In the fourth part,put forward the corresponding policy recommendations based above problems.For the development of the mutual insurance company,broaden the channels of funding sources and effectively strengthen supervision is put forward.For Mutual Society,proposed to cultivate the public consciousness of mutual cooperation,to strengthen the construction of talent team and build a multi-level system of mutual insurance.At the same time,should actively cope with the effects of the "Internet +".