Research On The Development Strategy Of Rural Small Personal Insurance In Shijiazhuang City,Hebei Province

Hebei province,as a major agricultural province,has actively carried out the work of introducing small-amount rural personal insurance into the lives of farmers.Under the big economic background of the dual structure of urban and rural areas,the small-sum personal insurance business in rural areas appears to be more "inborn deficiency".The backward production conditions and poor living conditions in rural areas make it difficult to pay insurance premiums.Moreover,the insurance awareness of the majority of farmers is weak or even non-existent,and it is difficult to get rid of the traditional backward concepts in rural areas.This makes insurance of rural small amount of person suffers certain obstacle in development respect.Thus,in this paper,through consulting a large number of literature and on-the-spot investigation,fully understand is located in shijiazhuang city,hebei province rural small personal insurance development present situation,analyzes the existence of these problems,draw lessons from foreign experience in development and at the same time,put forward aimed at the problems of shijiazhuang give feasible,to insurance companies and the vast majority of farmers is to achieve a win-win solution.This paper is divided into five parts.The first part introduces the research background and significance of this paper.The second part mainly introduces the concept and theoretical basis of small personal insurance in rural China.The third part introduces the development of small amount of life insurance in rural areas of Shijiazhuang,mainly collecting data through investigation of China Life Insurance Company's Shijiazhuang Branch,and puts forward the problems encountered in the development.The fourth part introduces the development experience of two countries with similar national conditions in foreign countries,namely India and the Philippines.The fifth part puts forward the countermeasures for the development of small personal insurance in Shijiazhuang.