Research On The Development Of County Insurance In The Construction Of New Harmonious Rural

A well-off society has been realized wholly in china, but it is low level, half-baked and lopsided. Thus the government brings forward to build a well-off society on full scale in good time. About 70 percent of 1.3 billion people and two three family are living in the country. If the well-off society hasn't been realized in the country, the well-off society hasn't been realized on full scale. It is the best formidable task that is to build a well-off society on full scale in the country. Hence a new society that has been built in the country becomes the theme that we discussed.The construction of new rural society is a complicated systems engineering. Any units or industries can not accomplish this arduous task without cooperate. As the nerve center of national ecnomic,the finance industry play an important role in the construction of new harmonious rural society. These also be proved by bacholar.Now the study has reached to how to make rural finance bring into play function effectively in the construction of new country. As a part of finance, what role of the insurance industry to play is a strange area which be worth of exploring and studying.Insurance is the important part of finance, Thus whether it sustain the construction of new rural by sustaining the development of rural economic as finance such as the rural credit etc.This also is one of the theme of this article. In addition, it is different between the insurance and traditional finance. Life insurance is also the part of rural social security. Whether the development of rural insurance can prompt social justice and the harmonious of rural society are the other important reach content. If the result is affirmative, thus what is the status of current rural insurance, what is the foreground of rural insurance market, how to optimize the the environment, and prompt the development of rural insurance have become the logic of this article.As a economic compensate system which major target is to ensure the stability of economy, a mechanism of risk transferring, a mutual mechanism of market, and a managing mechanism of fund in support, It is consistent that between the character function of insurance system and the target of new rural society. Country insurance prompts the construction of new rural society through urging the development of rural economy and equitableness of income. This idea has been demonstrated in theory. People found country insurance which includes the rural insurance can prompt the productive and exchanging efficiency through welfare economy. People can make income more firths prompt the construction of new rural society by emboldening appropriate production of rural insurance, bestowing some politic support to rural insurance.The theoretic conclusion should has more perusable be proved by experimental analysis. We use Jiangsu province's county insurance Panel Data to analysis the relation to development of county economy being limited of data. We found it that the development of county insurance prompt the increase of county economy actively. Through the analysis of economic convergence, we also found it that the velocity of economic convergence step on the juice after take county insurance into account. Videlicet, the development of county insurance is propitious to reduce the difference among the increase of county economy, thus it can reduce the different income. To accelerate the increase of county economy is one of key content. The reduction of economic difference and income difference are important factor to harmonious. These validate that the development of county insurance in favor of the construction of new rural society based on demonstration.The construction of new rural society requires the enlistment of county insurance. Then what is the status of current rural insurance. Taking one with another, our rural insurance has made some progress, but it is in leading strings in the mass, there are some questions which exist imbalance of development between the urban and rural, and among different county area. The rural insurance consummates the system of social security, supports the construction of new rural society by rural endowment insurance, health insurance and hospitalization insurance. But on all accounts, the rural insurance still stay in feel about and commencing phase, still satisfy the people's demand. There is insufficiency of supply and demand. The reasons are the low income and consciousness of farmer, the high price of insurance production, the unsuitability of production to the demand of country. The other reasons are the benefit of corporation is lower in the country than in city, and the cost of country operation is higher than city's. Thus the development of rural insurance market acquires the help of policy.Although there be puzzled in the development of rural insurance, the market of rural insurance sill has gigantic foreground. This can be reflected through some sides:First,people are confronted with some risks such as provide for the aged, medical treatment and suddenness.Makbe people can make the insurance as a means to dispose and transfer risks.Second,the development of country economy make it perhaps for the development of rural insurance. This conclusion has been testified by forecasting numerical value of Jiangsu province's county insurance which based on Grey-Markov Model. According to the analysis on demand of rural insurance, people think much of insurance than before, people's purchasing power of insurance is increasing, and the people's demand of insurance is becoming more multiplex. The providers of rural insurance are also increasing, competition is becoming more and more intenser.In order to answer to this challenge, the insurance corporation must innovate continuously on production and service.To promote the development of county insurance, the most important is to open up insurance products which suit the request of people. But now the most part of county insurance products are come from the city. These insurance products fall short of characters that have low,instability and seasonal nature income. Thus it is necessary to open up new county insurance, and which interrelated clause should be spited,assembled. The products also should make into small. To carry out the link between the small insurance and small loan, that it can resolve the difficult problem of financing.Insurance is a credit industry. Only be accepted and trusted, that it can be bought by people. Thus the insurance industry has root to exist. It is prominent that fame to insurance industry relative to other. Both the insurance corporation and insurance manager have motion to maintain their fames in duplicate games. It is encourage and restrict to gain fames. But It is not prominent that the insurance agent who had changed greatly. Thus through the duplicate games to encourage and restrict people honestly and maintain the fame of all insurance industry is impossible. Hence people should analysis the factors which caused people to break faith, that find apt and specific ways to solve problems, urge insurance agent to expand business, maintain the fame of overall insurance industry. Because the particularity of county insurance, its profit is lower than city insurance's. So it is necessary to reduce the tax of county insurance products and business. To increase the insurance staff's enthusiasm, tax preference should be given to the insurance managers and agents, thus it can promote the development of county insurance.It is important to build the system of county insurance for the construction of new rural. The county insurance system should be a multilayer system which adapt to the character of county.First,people should implement the commercial model and set up regional insurance corporation or extend the branch of current insurance company to meet the need of towner and minor enterprise's demand of insurance because of their high income.second,people should build property ensure,credit guarantee and life ensure minor insurance institution which combined by policy and commerce in the hinterland of rural area. To match along with these, people can prepare to build some policy and mutual insurance company, quest to establish a collaborate system. Third people should accelerate the building of agent institution of county insurance; develop the simultaneous occupation further, reform the marketing system of county insurance.The rural insurance has been made some progress, but it still be in leading strings, should be advanced. We should optimize the environment of rural insurance continuously to create a benign environment for the development. To optimize the interior environment of rural insurance by setting up territorial insurance corporation, seeking after a mutual system of insurance, quickening the agency enter into the rural insurance market, reforming the selling system,etc.prompting the innovation of system. Designing appropriate production which adapt to the income and consuming habit of peasant, exploring production by collocating different insurance production, cultivating person with ability for rural insurance depend on diploma education and vocational education. To optimize the exterior environment of rural insurance by accelerating the progress of county economy, advancing the insurance consciousness of people,stren-gthening the construction of credit culture, consummating the social guarantee system, regulating the politic and juristically environment. We should identify risk, evaluate risk and manage risk of themselves, then urge the development of rural insurance.