Study On Rural Commercial Insurance In City Of Cangzhou

Rural commercial insurance market is an important part of China's commercial insurance market.As early as in 2005,the then circ chairman wu dingfu was emphasized that the development of county insurance market,insurance is to support the "agriculture,rural areas and farmers,service the needs of the economy,is to realize the sustainable development of the insurance industry needs,is to explore the needs of the insurance industry development road with Chinese characteristics.In 2012,the insurance regulatory commission issued a notice requiring insurance companies to actively and steadily advance agricultural insurance development.The ministry of finance in 2012 also issued a circular,required local fiscal subsidies from premium varieties,premium area,protection level and the proportion of subsidy further intensify the central fiscal agricultural insurance premium subsidies to support.Compared with the urban population,the income level of rural population is lower,lower risk to bear ability,and social security only by new and new farmers,the lower level of security,commercial insurance is the most important way to pass on risk raising farmers' quality of life.As the rural population is not well aware of commercial insurance due to its own characteristics,commercial insurance is far less developed in rural areas,so it is of great significance to study the rural commercial insurance market.This paper firstly defines the concept and characteristics of rural commercial insurance,and briefly introduces the development status of rural commercial insurance market in China.Then within Cangzhou city by questionnaire to obtain the status of rural residents' demand for commercial insurance product data,after in-depth analysis of the factors affecting demand,found the cangzhou rural commercial insurance at present are faced with the problem and shortage,mainly for the following several aspects: first,lack of awareness of farmers to the commercial insurance,cannot understand to the commercial insurance of risk transfer function,don't realize the commercial insurance is an important way to safeguard life;Secondly,farmers' lower income level limits their ability to buy insurance products,and the effective demand for commercial insurance products is insufficient.Finally,there areproblems such as insufficient investment in the supply of commercial insurance products,inadequate marketing system and channel,imperfect customer service system and unreasonable product design.According to ask questions and deficiencies,to perfect cangzhou rural commercial insurance market put forward the corresponding suggestion,mainly include the following: first,the demand of insurance product advice,including to enhance the farmers' insurance awareness,stimulate the effective demand of farmers,to raise the income level of farmers,increasing purchasing power.Second,insurance marketing Suggestions,including to improve the quality of the sales staff,strengthen business training,improve the quality of customer satisfaction with commercial insurance,promote farmers,formulate reasonable tasks,setting up reasonable reward standard,subdividing customer,targeted business,use the grass-roots financial network,widen marketing channels;Third,insurance product advice,including simple clauses to pop,for rural customers are more likely to accept,development policy,more suitable for the family to buy package,pledge loan function of development policy,actively promote small insurance products,meet the needs of low-income people.