The Personal Insurance Development Research On Hunan Rural

"Issues related to agriculture,rural areas,and farmers" always affect China's economic development and are always highlighted as a top priority by the Party and government,while the insurance industry,as one of the three pillars of the financial industry,attracts increasing attention from the state and the people.Since the resumption of China's insurance industry,especially since the promulgation of the ten new rules in 2014,the national insurance industry has been developing rapidly.Although the development of China's insurance industry has entered a fast lane,there are still some problems in its development process.Ever since China's insurance industry resumes development,urban insurance industry embraces rapid development.In contrast,dragged by factors like economic level and education level,the development of rural personal insurance lags behind.The development and improvement of rural insurance market are of great importance for boosting agricultural production,guaranteeing farmers' life,maintaining stable rural economy and social order,even easing the financial burden on government and ensuring normal development of national economy.On the one hand,a series of policy dividends represented by the ten new rules still exist.On the other hand,the regulation of the insurance industry is tightening up gradually.The insurance industry is facing transformation under the new regulatory situation.Under the new situation,it is a new problem that how to transform and develop around the three major strategic in insurance industries.Based on the development of Hunan's rural life insurance and the new regulatory policies,this paper analyzes the factors that influence the development of Hunan's rural businesses from the inside and outside environment,and identifies the advantages and disadvantages,and analyzes the opportunities and threats.On the basis of the detailed analysis of the present situation,the relevant countermeasures and suggestions for the implementation of the development of the rural personal insurance market in Hunan have been proposed.The thesis is divided into six parts.The first part introduces the background,purpose and significance of the research,and analyzes the urgency and necessity to study the development strategy of rural personal insurance.The second part explains relevant theories to be cited in the thesis.The third part makes detailed analysis about the development of the Personal Insurance in Hunan province.The fourth part analysis arrives at the conclusion that advantages and disadvantages coexist,and so do opportunities and threatens.Though opportunities and threatens are the same for the whole industry,The Insurance's advantages are more outstanding than its disadvantages.In addition,some of the company's advantages cannot be copied or beaten by its rivalries in a short time.Based on the result of the SWOT analysis,the next part proposes the strategic goal of maintaining a leading position in the rural life insurance market,and proposes countermeasures for how to give play to advantages,improve disadvantages,seize opportunities and avoid threats.Namely,it proposes to achieve the goal by adjusting product,channel and service strategies.Finally,Summarize the main idea of the text.