| China is a large agricultural country with a countryside population of nearly0.9billion which apparently dominates the country’s whole1.35billion population. And as a result of the continuous natural disasters such as earthquakes and floods, the insufficiency of security allowances of rural residents have become a social concern nowadays. In spite of the manpower and material resources provided by the government and all social sectors for devastated regions, it is still a mere drop in the bucket for the countless victims of disasters. Commercial life insurance has the functions of risk decrease, economic indemnity and economic security.An energetic development of commercial life insurance is of great significance in protecting the benefit of the rural residents, reducing their troubles back at home, promoting the development of the rural economy and maintaining social stability.It is also of great importance to develop rural commercail life insurance on ensuring the life of rural residents, perfecting the rural social security system and rural financial service system. In order to ensure business interest, most insurance companies only put their attention on large and medium-sized cities and the very top earners.They are usually reluctant to exploit the rural life insurance market of which the importance is also usually overlooked. With the construction of the new socialist countryside entering its key time, how to make the insurance serve agriculture, rural areas and farmers better and bring its advantages of indemnity and indemnity into full play is of great importance.This paper takes Cangzhou for instance, where insurance is well-developed, and makes a profound analysis on the status quo and problems existed of commercial life insurance market in the rural area, and then make advices by investigating how to construct a commercial life insurance system that fits the rural area, how to standardize marketing service mechanism, and how to innovate modes of life insurance marketing. |
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