The County Insurance System Restruction

In recent years, the demand of the county insurance increasedunceasingly with Manage system strongly development of the countyeconomy which caused the risk of the county economic society. Butdevelopment of the county insurance still relatively fell behind thewhole level of insurance industry, and extremely uncoordinated thedevelopment of the county economy and the society. How to establishthe corresponding county insurance had raised great attention. Drawingthe growth extreme and gradient theory, this article elaborated thenecessity of developing the county insurance from the views the countyeconomy risk safeguard. Then the author analyzed the latent demandcondition of the county insurance through the questionnaire survey,which provided the realistic basis for the development of countyinsurance. Finally I proposed the development pattern,route choice andinstitution design on the foundation of theory and realistic analysis. By the verification and research, the author drew someconclusions:(1) The government must play the positive role in the developmentof the county insurance. Through the governments offering thepremium subsidy to the county participators (especially farmers), orproper expenditure subsidy to companies (especially which run thecounty agriculture or farmers insurance businesses), the countyinsurance markets can develop better and strengthen the safeguardfunction to the development of the county economy.(2) According to the economic current situation and safeguarddemand of the county insurance participators, the author suggested thecorresponding route of the county insurance from the insurancecovering: the county farmers: insurance for medical Careâ†'endowmentinsuranceâ†'agricultural insurance. The county residents:savingly lifeinsuranceâ†'children education,health insuranceâ†'insurance ofcontents,vehicle insurance. The county middle and small enterprises:enterprise property insuranceâ†'staff accident insuranceâ†'staffinsurance for medical Care,endowment insurance.(3) The county insurance products still majored in low safeguard,low charge,low premium rate. This can really satisfy the insurancedemand of the county insurance participators, display the safeguardfunction of the county insurance, and promote the development of the county insurance.