Study Of The Development Of Rural Micro Insurance In Shaanxi Province

The rural small insurance is the object of the rural low-income people,and the insurance products provide the general name of the personal security,which can provide some assistance to the low-income people effectively.At present,developing countries are actively exploring the use of micro insurance,and have made considerable progress.At present,China's low income population is mainly concentrated in rural areas,lacking commercial insurance and social security measures against risks.Since the pilot work began in 2008,Rural Micro insurance has been developing rapidly in China in just a few years.In 2009,the CIRC decided that Shaanxi province should be included in the pilot rural small life insurance province.From the current pilot situation,although the rural insurance in Shaanxi has achieved certain results,but the coverage has not been deep in the grass-roots level,especially for the low-income population in rural areas is not enough,and the improvement of the basic living security of the rural population is little.Based on the present situation of rural small insurance development at home and abroad,based on the induction and arrangement of rural small insurance scholars,the basic theory,operation mode,significance and characteristics of small insurance are discussed in this paper,and the rural small insurance can be held in the relative countries.On the basis of the sustainable development model and the development of rural small insurance in China,it has aroused the thinking about how to improve the sustainable development system of rural small insurance in Shaanxi Province,and combined with the cases in Weinan and Hanzhoung,summarized and analyzed the status and local experience of the small insurance in the province,and discussed the innovation.The relevant problems are pointed out and countermeasures and suggestions are put forward.The following conclusions are drawn:(1)Rural Micro insurance helps improve the rural financial system of Shaanxi Province,rural areas and farmers.As a market-oriented financial aid for the poor development,small insurance in rural areas has the overall effect and comprehensive effectiveness of accumulating social funds,promoting economic and social development and stabilizing social life.It is beneficial to dissolve and manage the risk of rural development,cultivate new business growth points in the insurance market,and solve the low income population in Shaanxi province.Social security issues,improving the ability of rural government governance,and promoting the in-depth development of the rural insurance industry are of great significance.(2)Shaanxi Rural Micro insurance has great room for development.From the perspective of macro economic development,supply and demand relations,policy support and the development of the main body of agricultural insurance,Shaanxi province has the need and necessity to develop rural small insurance.From the results of field investigation,the rural low-income groups have a higher willingness to insure.This shows that Shaanxi province has huge space for Developing Rural Micro insurance,and the relevant development models at home and abroad also provide references and experiences for reference.(3)the small scale insurance promotion in rural areas of Shaanxi province has achieved remarkable results and has drawn lessons from it.The model of "joint interaction between new rural cooperation" and "village development service" represented by Weinan and Hanzhoung shows that rural small insurance in Shaanxi should be developed,strong propaganda and promotion,strong organization and coordination,strong support from local government,integration of sales resources and innovation of sales model of insurance institutions are very heavy.Innovative native experience.(4)The problems existing in the development of Rural Micro insurance in Shaanxi province need to be solved urgently.There are many problems in the rural small insurance in Shaanxi Province,such as uneven development,poor coverage of dangerous species,and difficult coverage of coverage.The main reasons are the shortage of rural residents' insurance awareness,insurance company management mode and management mechanism,government policies,regulations and supervision..This requires Rural Micro insurance to solve vigorously,so as to continue to expand the development space.(5)the semi commercial mode of "government + insurance company" has more advantages for the development of Rural Micro insurance in Shaanxi.Using the experience of domestic and foreign,the government should play a role in mobilizing or organizing low income people to buy rural microfinance insurance,providing policy support for the development of rural microfinance insurance and strengthening supervision.The Business insurance company should innovate the insurance mechanism,expand the marketing channels,improve the management quality and enhance the trust of the customers.Satisfaction,striving to "let every peasant family have a policy" has become an important train of thought and reality for the development of Rural Micro insurance in Shaanxi province.