Study On The Coordinated Development Of Commercial Insurance And Rural Endowment-Establishment Of Double-Wing Insurance System In China

Our country has entered the aging society,the pension issue has beco me the focus of the competing media attention.C hina is a large agricultural country,the number of farmers,income level is low,low education level,the imbalance of regional economic development,how to solve the pension problems of the peasants is one of C hina's biggest social problems.At this stage,the role of rural traditional land,family pension mode gradually weakened,to speed up the construction of rural old-age security system,to ensure social harmony and stability and accelerate the economic development of a far-reaching significance.Commercial insurance is an indispensable part of the social security system in China.Commercial insurance products to protect the contents of a wide range of high level of protection,pay more and investment returns,and other advantages,can make up for the rural old-age security of a single,low level of protection.Therefore,research of commercial insurance and rural old-age insurance coordinated development new pattern,to promote the rural old-age security system,let all the peasants enjoy citizens due,necessary and comprehensive risk protection has very important significance.Firstly,this paper briefly introduces the research background,significance,the domestic and international research situation a nd the concept of the coordinated development of commercial insurance and social insurance.Secondly elaborated China's commercial insurance to participate in the four stages of the development of the rural endowment insurance,endowment insurance system in our country is being continuously improved,and introduces the domestic two kinds of successful models and can learn from the experience,put forward rural preferential policies of the government is insufficient at present,commercial insurance companies on the rural market investment is little,but farmers to buy commercial insurance consciousness and capacity of the economy will continue to improve the situation.Then introduces the foreign commercial insurance to participate in old-age insurance pattern,which the sound laws and regulations,implementation of national co-ordination,expand coverage,pay attention to the interaction between the government,enterprises and people,encourage commercial insurance to participate in old-age insurance system,the development of micro insurance experience are worth our country to follow.Then rural endowment insurance of commercial insurance participation were feasibility analysis,and put forward the rural endowment insurance business management strategy,including product insurance innovation,broaden marketing channels,to strengthen management and training and improve the level of service etc..Finally,put forward the general idea of the commercial insurance companies and rural old-age insurance coordinated development-“double wings” mode.The mode is to protect the people,combined with the social insurance and commercial insurance,government participation and leading principle,the mode of architecture including.First,government led,including the drafting and formulation of relevant policies,laws and regulations,legal documents and policy support;second,in the insurance model village set up in Village studio,hiring staff for the villagers to provide insurance services.Characteristics of “double wings” mode is dominated by the government,commercial insurance activities,to achieve a win-win situation for the coordinated development of commercial insurance and social insurance,so that the majority of farmers to obtain necessary and comprehensive r isk protection way.“double wings” mode of operation ideas are introduced in this paper,including insurance pilot demonstration village of selection,the use of mobile communication and Internet technology in the promotion and sales,in the village of studio to build,in village staff hiring,to carry out special after-sales service,increase policy support etc.,commercial insurance and rural old-age insurance coordinated development provides reference and suggestions,“double wings” mode to achieve the provides the foundation.