The Research On The Development Of Small Personal Insurance In Rural Areas Of Tangshan City,Hebei Province

With the development of new rural areas and the increasing attention of governments at all levels to the construction of rural social security system,more and more attention has been paid to the promotion of small personal insurance in rural areas.It provides strong guarantee for rural residents,especially low-income rural residents,which is not only conducive to improving the living standard of poor rural residents,but also crucial to social development and stability and even the development of China's insurance industry.In 2009,Tangshan city,Hebei province began to carry out small-scale personal insurance pilot in rural areas.In recent years,great achievements have been made,which to some extent provides a guarantee for rural low-income people in Tangshan city.Firstly,this paper studies the development status of rural small personal insurance in Tangshan city,Hebei province.Through the analysis of Tangshan rural small personal insurance in economic and social,customer demand,rural finance and policy development environment,and then in-depth analysis of Tangshan rural small personal insurance coverage,premium,compensation and insurance types.On this basis,this article through the form of questionnaire survey,field visits in several rural around Tangshan,analyze the related factors which restrict the development of the small Tangshan rural personal insurance,for example because of farmers'income is low,the insurance consciousness is weak,risk preference,insurance products handled caused by mismatch between supply and demand and the trust of Tangshan rural microfinance personal insurance effective demand is insufficient,because the insurance companies'enthusiasm is not high,the types of product cannot satisfy the requirement of rural,imperfect marketing system lead to insufficient effective supply of rural small personal insurance.In order to give full play to the financial poverty alleviation function of small personal insurance in rural areas,this paper explores the development path suitable for Tangshan rural small personal insurance.This paper proposes to improve the development and operation of small personal insurance products in rural areas of Tangshan city,strengthen the flexibility of premium collection,add more rural personal insurance marketing outlets,expand marketing channels,improve the service quality of rural personal insurance sellers,and improve the effective supply of small personal insurance in rural areas of Tangshan city.Secondly,accelerate the development of Tangshan rural economy,improve the income of rural residents,enhance the awareness of farmers'participation in insurance,and enhance the effective demand of Tangshan rural small personal insurance.Finally,we should strengthen policy support,improve the law and supervision of rural small personal insurance,and ensure the long-term,healthy and sustainable development of Tangshan rural small personal insurance.