Research On The Development Of Rural Commercial Endowment Insurance In Henan Province

In recent years,the pension problem of rural residents in China is more prominent than that of the city.The elderly population in rural areas accounts for nearly 60% of the elderly population,and the rural population is 3% higher than the city.In henan province,as a major province of China,the rural population aged 65 and over accounts for 10.2% of the total rural population.In general,the aging degree of henan province is lower than the national average,but in terms of the internal structure of aging,the degree of aging of rural areas in henan province is significantly higher than that of urban areas.According to the data of the sixth national census,rural people over 60 in henan province account for 13.87 percent of the rural population,and 11.07% of all urban residents over the age of 60.Thus,despite the aging degree of henan province is lower than the national average,but both in absolute size of population and population relative ratios analysis,degree of rural population aging in henan province were higher than town,especially city henan province rural endowment problem is very outstanding.At present,the rural old-age mode in henan province is dominated by family pension,followed by land endowment and new-type rural social endowment insurance.However,in the context of the increasingly miniaturization of the family structure,the family pension can hardly meet the needs of the rural residents.The instability of agricultural commodity prices and the slow reform of agricultural land system also make the land endowment in the rural areas to solve the problem.However,the new rural social endowment insurance with lower insurance level can not effectively alleviate the rural pension problem.In theory,the guarantee standard of commercial endowment insurance is higher,and its development in the rural pension insurance market can be an effective supplement to the new rural social endowment insurance.But the rural residents income level is relatively low,the higher cost of commercial endowment insurance,the lack of policy support and commercial endowment insurance itself the problem on the product design and marketing mode,lead to the development of commercial endowment insurance in rural is still in its infancy,its development is also facing the restriction of multiple factors.In this paper,on the basis of questionnaire survey,and from the aspects of supply and demand are analyzed in detail in henan province rural commercial endowment insurance development present situation,has been clear about the restriction factors of henan rural commercial endowment insurance.The thesis is divided into five parts: the first chapter is the introduction part,which briefly states the research background,research significance,domestic and foreign research status,research content and research methods,etc.The second chapter mainly introduces the relevant concepts and theoretical basis of the thesis.The third chapter on the basis of a brief overview of the present situation of rural old-age in henan province,from two aspects of supply and demand analysis of henan rural commercial endowment insurance development present situation,clarify the problems of demand side and supply side.Among them,the demand side,mainly analyzes hierarchical structure according to the result of questionnaire survey,one is to analyze the reality of henan rural commercial endowment insurance demand,second it is to analyses the potential demand,this kind of analysis is verified each other factors restricting rural commercial endowment insurance demand expansion.The analysis of supply level mainly reflects the problems of insurance companies in product design and product marketing mode.The fourth chapter mainly analyzes the factors that restrict the development of rural commercial endowment insurance in henan province on the basis of the investigation and analysis of the third chapter,from the three levels of demand,supply and government policy.The fifth chapter is mainly about the foreign rural commercial endowment insurance experience and countermeasures.This part mainly analyzes the United States,Germany,Japan's experience of rural endowment insurance,and connecting with the basis of above research,emphatically from the demand side,supply side and government three aspects discusses the countermeasures and Suggestions to promote the development of henan province rural commercial endowment insurance.Research results indicate that: the body of the real demand of commercial endowment insurance is given priority to with young adults,mostly in local or migrant workers,the income level is relatively high,relatively high cultural level,family population is smaller.But,overall,rural residents in henan province for the reality of commercial endowment insurance demand is still very limited,at present the rural social capital has an important role in the business of the commercial endowment insurance,commercial endowment insurance buying presents a larger passivity.In view of the potential demand analysis shows that farmers' age characteristics and the miniaturization of family size for commercial endowment insurance development provides a solid foundation in the rural areas,the potential demand of the endowment insurance of rural commercial scale is not small,its subject characteristics can be divided into two groups,one is a willingness to spend but without purchasing power of farmers,restriction factors mainly for cultural level is low,the low level of income;second it is potential consumer purchasing power and the will of the farmers,but the farmers' purchasing power did not translate into real demand,this is mainly affected by the current rural commercial endowment insurance market supply side.Comprehensive the above analysis,we argue that according to different characteristics of peasant stratification and rule,fully consider the internal differences,farmers is set according to different characteristics of different countermeasures for farmers,such as for those who have the buying power and future purchase intention of the farmers,the key is to carry out reform of commercial endowment insurance supply end;For farmers who have the desire to buy but are not able to buy,the emphasis is on raising their income levels and their exposure to education.At the same time,fully consider the differences between farmers and citizens,urban and rural areas,and optimize the supply of rural commercial pension insurance market.