Research On The Development Status And Countermeasures Of The Rural Insurance Business In Hunan Branch Of Taiping Life Insurance

With the further development of China's socialist market economic system and perfect, especially the development of the rural security system and the establishment of, for the development of the rural life insurance business in China has brought great opportunities.Continue to carry out the new urbanization, the basic role of market in the allocation of resources to further highlight, further promoted the rural economy and the development of agricultural marketization, as a result, farmers in the economic income, life style and consumption demand and urban differences have narrowed, in 2014, our country rural residents living income reached 6325 yuan, in meet the basic life at the same time, the vast majority of farmers and their savings, to enhance the capacity of the farmers to buy insurance, more and more farmers began to realize that life insurance on the urgency and importance in life. A farmer is, as it were, the rural life insurance market is an important target group.The development of the rural life insurance business in China, however, is difficult to meet the needs of current most of the farmers. Statistical data from 2014 countries, only 3.9 million workers took part in the old-age insurance,7.9 million people took part in the simple life insurance, and insurance is insurance cost per capita is less than 100 yuan a year, so to speak, the rural life insurance gestates great market demand.To be clear, however, our country rural life insurance market development degree is low, basically in a blank state.Therefore, how to take effective measures to actively expand the rural life insurance market, promote the development of the rural life insurance market, give full play to the role of life insurance in the new rural construction has become the life insurance company is an important problem to overcome.In this paper, the etheric ping life insurance Hunan branch of the rural life insurance business as the research object, the expansion of rural life insurance market will provide certain reference basis and development.This article is divided into six parts altogether:The first part is the introduction.Introduced the selected topic background and significance of the study of rural life insurance business, and through to the domestic and foreign research literature about the rural life insurance market effectively, so as to provide certain reference for the research of this article, at the same time also pointed out that the innovation of this article and the insufficiency.The second part is the overview of related theory.Based on defining the concept, characteristics of rural life insurance business and effective analysis, at the same time also outlined the theory of the basis for this article, so as to provide theoretical basis for the research of this paper.The third part is the Taiping life insurance branch in Hunan rural insurance business the present situation of the research.This section introduces the Taiping life insurance branch in Hunan on rural insurance business scale, as well as the present situation of the business.The fourth part is the Taiping life insurance Hunan branch of rural insurance business problems and the reasons.This part points out that the Taiping life insurance Hunan branch in some problems in the process of rural insurance business, and aiming at the problems of the current in-depth analyses the reasons and countermeasures analysis provides the basis for the below.The fifth part domestic rural life insurance business experience for reference.Introduced some successful experience of rural life insurance business, in order to for the Taiping life insurance subsidiary in Hunan rural life insurance business to provide certain reference basis.The sixth divided into Taiping life insurance branch in Hunan rural insurance countermeasures research.In view of the Taiping life insurance Hunan branch in the process of rural life insurance business problems put forward the corresponding solving measures, so as to better promote the development of the rural life insurance business.