Research On The Rural Small Personal Insurance From The Perspective Of Precise Poverty Alleviation

In the rural areas of China,many poor households engaged in planting,breeding and other agricultural labor,independent management ability is weak,coupled with the production characteristics of the agricultural industry,the production cycle is long,vulnerable to external environmental conditions,because of poverty,poverty tolls were common,resulting in low income households,the source of instability.The income of low income status in the family,the main income is the per capita disposable income of 2561 yuan,of which agricultural income and transfer income.2014 in poor population,wage income 822 yuan,net operating income 1060 yuan,net income of 39 yuan of property transfer,net income of 641 yuan.At present,China's poverty alleviation policy shift from inclusive to moderate competition,aimed at reforming the poverty alleviation work status in the social system and the association to strengthen the poverty alleviation work and other social work.The precise poverty as China's poverty alleviation and development strategic orientation,namely by carrying out lean to the village households Trapped investigation and filing cards work,identify the poor,in-depth analysis of the causes of poverty,to develop targeted aid measures.And on the basis of the establishment of the national rural poverty alleviation information system,the implementation of dynamic management of poverty,the poverty alleviation funds to establish and perfect the strict management system,in order to meet the new economic norm of poverty alleviation and optimize the allocation of quality improvement requirements.In this conditions,accurate poverty alleviation insurance is of great significance for poverty alleviation and development based on blood type to farmers.As China Insurance Regulatory Commission to develop a pilot program of Rural Micro insurance "issued" said,the positive development of micro insurance,for effective service "three rural",to meet the majority of low income farmers insurance security needs,expand insurance coverage,are of great significance.In fact,China's Rural Micro insurance development in late June 17,2008,Chinese CIRC issued the inform,marking the Rural Micro insurance started in China.But as China's Rural Micro insurance in our country,province,city,autonomous region has been carried out that practice,the theoretical study of rural micro insurance is also deepening.In recent years the feedback from the pilot's,the micro insurance in China's rural development momentum is not strong,the reason for the farmers because of limited knowledge of the micro life insurance purchase enthusiasm is not high,there are some defects in the rural microfinance personal insurance required by the regulations,the actual development of some of the obstacles,urgently needs to be further improved.this paper based on the perspective of precise poverty,based on analyzing the present situation and the practical difficulties of Rural Micro insurance on the loan To carry out learning and summarize the foreign and our country the pilot provinces and cities,experience and Enlightenment of insurance in the study of sustainable rural development,attempts to rural insurance propaganda,product innovation speed,the regional differences of contribution,and put forward feasible countermeasures for regional development and operation mode of the government's policy support point of view,to gradually optimize the rural social security system.