吉林省白山市农村商业寿险市场发展研究

发布时间：2018-05-29 21:49

本文选题：农村 + 商业寿险　；参考：《中南林业科技大学》2013年硕士论文

【摘要】：我国是一个农业大国,在13.5亿人口中,农村人口占近9亿。特别是近年来由于地震、洪水等自然灾害不断,农村居民的生活保障得到全社会的关注。虽然国家拿出大量的人力、物力抗灾救灾,社会各界也伸出援助之手,但对于偌大的受灾群体,仍旧是杯水车薪。商业寿险具有风险疏散、经济补偿和保障的功能,大力发展商业寿险对于保障农民利益、解除农民的后顾之忧、促进农村经济发展和社会稳定具有深远意义。农村商业寿险的发展,也是保障农民生活,完善农村社会辅助体系及金融服务体系的需要。处于商业利益的考虑,现在多数保险公司只把注意力集中在大中城市和高收入人群,不愿意或忽视开拓农村寿险市场。在目前建设社会主义新农村的关键时期,如何使保险业更好的服务于“三农”,有效发挥保险的保障补偿作用是很重要的。本文以保险业相对发达的白山市市为例,深入剖析农村商业寿险市场发展的现状和存在的问题,通过就建立适合农村特点的商业寿险体系,规范营销服务机制,创新寿险营销模式等措施的研究,提出对策建议。
[Abstract]:Our country is a big agricultural country, in 1.35 billion population, rural population accounts for nearly 900 million. Especially in recent years, due to earthquake, flood and other natural disasters, rural residents' life security has been concerned by the whole society. Although the state has put out a great deal of manpower and material resources to resist disasters and disaster relief, and all sectors of society have also extended a helping hand, it is still a drop in the bucket for such a large number of affected groups. Commercial life insurance has the functions of risk evacuation, economic compensation and security. It is of far-reaching significance to develop commercial life insurance to protect farmers' interests, relieve peasants' worries and promote rural economic development and social stability. The development of rural commercial life insurance is also the need to protect farmers' life and perfect rural social auxiliary system and financial service system. In the interests of business, most insurance companies now focus only on large and medium-sized cities and high-income groups, unwilling or neglecting to tap the rural life insurance market. In the key period of constructing the new socialist countryside, it is very important how to make the insurance industry better serve the "three rural areas" and give full play to the role of insurance protection and compensation. Taking Baishan City, where the insurance industry is relatively developed, as an example, this paper deeply analyzes the present situation and existing problems of the rural commercial life insurance market, and standardizes the marketing service mechanism by establishing a commercial life insurance system suitable for the rural characteristics. Innovation of life insurance marketing model and other measures, put forward countermeasures and suggestions.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.62

【参考文献】