Study On Problems And Countermeasures Of Rural Microfinance Insurance In Changde

Micro credit insurance plays the role of "lubricant" in the social and economic activities,especially in agricultural production,which can provide a solid guarantee for the risk of agricultural production and agricultural disasters.Therefore,it is ofgreat significance for social stability and economic development to strengthen the establishment of micro credit insurance mechanism and prevent major economic losses.First of all,through literature review and data collection and collation,the current domestic and foreign research related issues related to the present study are combed,and the results and shortcomings of the research are reviewed and summarized,looking for the perspective of this study.Secondly,through the selection of the related theories of the extension of micro credit insurance,the relevant theories and concepts described in this paper are introduced in detail,and the theoretical basis for the next step of investigation and analysis is done.Thirdly,through the investigation and analysis of the farmers and the insurance financial institutions in the District of Changde City,this paper makes an empirical analysis on the influencing factors affecting farmers' selection of microfinance insurance,and makes statistical analysis on the data of the survey,and concludes that the factors affecting the impact of the farmers' Insurance on small credit insurance include the household's family.Per capita income,financial institutions' loan maturity and interest rate,loan quota and loan use.Finally,the main problems existing in Changde micro credit insurance and the reasons for the problems are analyzed and studied,and the countermeasures and suggestions are provided for the existing problems and how to promote the micro credit insurance in Changde in the future.Through the study of this paper,the conclusions are as follows:(1)at present,the willingness of Changde farmers to choose micro credit insurance is not strong,the positioning of the microfinance insurance market is unscientific by the financial and insurance companies,and the market potential of developing the micro credit insurance in Changde is huge,but the lack of standardized management of the microcredit insurance market leads to many illegal arbitrage in the actual operation.Such problems as gold,violent reminder,malicious overdue repayment and inadequate supply of insurance products have seriously affected the promotion of Changde's microfinance insurance.(2)Provides concrete suggestions and Countermeasures for the promotion of micro-credit insurance in Changde City.The results of the study include five points:first,fine management of target customer groups,classification and hierarchical management of different customer groups,and tailoring different micro-credit products to different customer groups.Second,we need to strengthen publicity,through multi-channel,multi-measures,all-round,three-dimensional publicity of micro-credit insurance-related knowledge,characteristics and scope of protection.Thirdly,we should strengthen the system construction of cooperation between banks and insurance institutions,scientifically and reasonably bear the benefits and risks proportionally,sign insurance with the insured,and at the same time,we should clarify the risks and benefits at the same time.Fourthly,we should standardize the management of poverty alleviation business of micro-credit insurance,enhance the professional quality of staff and publicize and educate policy-holders.Fifthly,we should accelerate the construction of Changde Citizen Credit Reporting System,seamlessly connect the credit system of micro-credit insurance with that of citizens,so as to promote the operation of insurance companies and the timely repayment of policyholders according to the agreement,and promote the healthy and sustainable development of the financial environment in an orderly manner.