Study On China’s Rural Financial Resources Development Mechanism And Mode

Insurance is a special industry business risk. The China Insurance Regulatory Commission Chairman Wu Dingfu said in the second session of "China’s insurance industry innovation and Development Forum":"insurance is through the development of rural insurance and give full play to the function and effect, to further expand the scope of services and insurance coverage, the insurance industry of China can really strong, created a unique development road." Our country insurance especially rural commercial life insurance industry is at an early stage of development, how to promote its healthy and rapid development, is an important subject of urgent to research.The market of rural commercial insurance Changzhutan area development as the research object, the use of relevant theories of commercial insurance, analyzed rural commercial insurance effective demand situation according to the main characteristics of rural life insurance market development status of rural life insurance market development of Changsha Zhuzhou Xiangtan and main characteristics, commercial life insurance market supply and Changsha Zhuzhou Xiangtan area, then from the life insurance products targeted poor, the gap between the actual demand and farmers; farmers insurance awareness, low recognition of insurance; commercial insurance institutions lack of rural market attention and investment; heavy industry show light claims, reducing the Farmers Insurance will; rural life insurance marketing talent shortage of customer service system is not perfect, exhibition industry is backward and rural life insurance market management difficult position analysis of the main problems facing the long line market rural commercial insurance pool area development. On this basis, put forward some countermeasures to promote the healthy development of the market of rural commercial insurance pool area of Chang Zhu:increased policy support for life insurance companies to speed up and improve the laws and regulations; related; strengthen government supervision, to ensure the orderly development of the market; strengthen product development and promotion.