Problems And Countermeasures Exist In The Development Of Rural Life Insurance Market In Heilongjiang Province

The traditional way to deal with the risk in rural areas has been unable to adapt to the development of today's rural society.The problems of medical care and old-age care faced by rural residents have become the important factors restricting the development of rural areas in China,it affects the pace of building a new socialist countryside.As an important part of rural social security system,rural life insurance plays an important role in relieving the pressure of rural pension and meeting the demand of rural pension,rural residents have a growing need for life insurance.In recent years,with the insurance market body's soaring,the competition intensifies,insurance companies are sure to take the city's market share as a strategic focus.But they ignore the development of rural markets,do not pay attention to the development of rural insurance business.It's not on the agenda,and lack of research,measures and inputs.These companies have not managed their existing rural insurance operations enough,their after-sales services have not kept up,these all affected the development of rural insurance industry.And now the rural insurance business launched by these insurance companies mostly according to city market.Therefore,to a large extent,these insurance can not meet the requirements of the rural market.So the farmers are not interested in insurance,and the rural people's demand for insurance cannot be stimulated.It is of practical significance to study the problems and countermeasures in the development of rural life insurance in this paper.Take the current situation of Heilongjiang rural market as the research background and clear rural commercial insurance area and demarcation.From the current situation of rural commercial insurance analysis of rural commercial insurance development foundation,to understand the basic situation of development.Through field investigation,I found some problems.Such as the rural commercial insurance products in Heilongjiang province did not meet the market demand,rural commercial insurance institutions lack market attention and investment,the shortage of insurance salesmen,the lack of innovation.Mainly aim at putting forward countermeasures and suggestions for establish perfect rural commercial insurance system,develop products for rural life insurance and strengthen the management of marketing personnel.The development of rural life insurance is a systematic project and the important drive that promotes national economy development.It is also necessary for the development of rural economy and the only way for China's commercial insurance to survive and develop.China'sinsurance companies should adhere to the scientific concept of sustainable development.On the basis of full investigation,reasonable planning,scientific management,continuous innovation and steady progress,they should strengthen the development of rural life insurance market,steadily promote the development of rural life insurance.Then they will certainly open up a new world in the rural life insurance market...