Research On The Influencing Factors Of The Construction Of Basic Insurance Service Network In Guizhou Province

Insurance is the stabilizer and booster of the development of modern society.The important role of insurance in economic and social development has been highlighted from the promulgation of the "new state article" to the GuiZhou provincial government and the bureau of insurance supervision.At the same time,frequent natural disasters in GuiZhou province have stimulated residents’ demand for insurance services,but the current development status of the insurance industry in GuiZhou province is not ideal.As of 2017,the insurance density in GuiZhou province was 1,091 yuan,ranking 31 st nationwide.Investigate the root cause,mainly because of the current imperfect insurance service network at the grass-roots level in GuiZhou,insurance demand is difficult to effectively meet the residents,so this article selected insurance service network construction at the grass-roots level in GuiZhou province as the research direction,through the analysis about the present situation of insurance service network construction at the grass-roots level in GuiZhou found reasons to insurance service network construction,and put forward the corresponding countermeasures and Suggestions combining with the actual situation in GuiZhou province.The specific research process of this paper is as follows: Firstly,this paper summarizes the current policy documents related to the construction of insurance grassroots service network,as well as domestic and foreign research and practical experience,which lays a foundation for the research analysis and decision-making Suggestions in the following paper.Secondly,this paper analyzes the current situation of the construction of basic insurance service network in GuiZhou province and finds that the main factor hindering the construction of basic insurance service network in GuiZhou province is the construction cost,and the deeper reason is the restriction of population factor,economic development level and broadband Internet penetration rate of GuiZhou province.Then,based on the domestic and foreign research experience and data collection,the panel quantile model was adopted to analyze the factors affecting the construction of insurance grassroots service network.The level of regional economic development and per capita disposable income have a positive role in promoting the construction of basic insurance service network.The influence coefficient of regional urbanization on the construction of insurance grassroots service network is negative.Based on the analysis of the actual situation of GuiZhou province,it is found that this is related to the deviation of capital investment in the urbanization investment process of GuiZhou province.The number of broadband Internet users promotes the construction of insurance basic service network,and its influence coefficient is the greatest.Finally the results of the empirical analysis combined with the construction of GuiZhou province actual,from the government’s macroeconomic regulation and control,such as insurance institution construction decision-making level is suitable for the actual construction in GuiZhou Suggestions and measures are put forward: on the one hand,the government pay attention to in the proportion of investment in the process of urbanization and the direction,at the same time money is needed for the development of telecom policy support;On the other hand,insurance institutions should increase their staff and staff in accordance with local conditions to optimize the allocation of insurance service resources.The construction of insurance grass-roots service network needs the joint efforts of various parties,so as to build a diversified service network to meet the insurance needs of residents,promote the development and development of the grass-roots insurance market,and provide reference experience for the construction and improvement of insurance grass-roots service network in other regions.