The Development Strategies Of Rural Micro-Life Insurance At Baoding

From the initial 2008 pilot program known as "rural micro-life insurance pilot program" has now published nine years in our country. Hebei Province, the second batch is added as one of the provinces, which developed from the beginning the promotion of small-scale now to basically accepted by farmers, micro-life insurance product development, underwriting and claims service levels appropriate after all in continuous improvement, great achievements are obvious to all of us during this period, in the development process, not only the major insurance companies active participation but also all levels of government accordingly gave strong support for the micro-life insurance promotion and development a strong support. But in the development process encountered many problems, such as lack of effective demand,low effective supply, demand and supply does not match. Thus, this article by referring to the extensive literature and field research to fully understand the current situation of the development is located in Baoding, Hebei Province rural micro-life insurance, analyze reasons of these problems at the same time learn from foreign experience and developments proposed for Baoding given practical problems, so that insurance companies and farmers groups to achieve a win-win solution.This paper is divided into five parts, the first part introduces the background and significance of the research, the focus is the emphasis on practical significance. The second part introduces the concept and theoretical basis of the rural micro-life insurance, which combine it with traditional insurance to make detailed comparisons. The third part describes the development of rural micro-life insurance Baoding, first introduced the overall development of the country, after a detailed summary of the author made questionnaire data and presents the problems encountered in the development. The fourth part introduces two conditions similar development experience of foreign countries and that India and the Philippines. The fifth part is to propose a solution for the development of micro Baoding life insurance.