河南省农村商业保险发展潜力探析

发布时间：2018-06-07 09:31

本文选题：河南 + 农村商业保险　；参考：《中南林业科技大学》2013年硕士论文

【摘要】：农村商业保险市场是我国商业保险市场的重要组成部分。早在2005年,时任保监会主席的吴定富就强调指出,发展县域保险市场,是保险业支持“三农”、服务国民经济全局的需要,是实现保险业可持续发展的需要,是探索中国特色保险业发展道路的需要。2012年,保监会发出通知,要求各保险公司积极稳妥推进农业保险发展。财政部在2012年也发出通知,要求各地方财政从保费补贴品种、保费补贴区域、保障水平和补贴比例等方面进一步加大中央财政农业保险保费补贴支持力度。由此可见,农村商业保险市场不仅具有广阔的发展空间,而且还有很好的政策优势,农村商业保险将是中国保险业未来的发展方向。而对农村商业保险的市场潜力研究将为各商业保险公司进军农村市场提供一定的借鉴。本文在提出农村保险基本概念的基础上,参考国内外研究成果,从保险的发展规模、产品结构、市场份额和覆盖范围等方面揭示出河南农村商业保险目前的发展现状,提出河南农村商业保险发展的两大制约因素,并从自然地理区域、农村收入、人口、消费结构和产业结构分析了河南农村商业市场潜在的巨大发展能力,提出了对河南农村商业保险市场未来发展前景预测。在此基础上,本文提出了推进河南农村商业保险发展的具体建议。本文的研究结论如下：(1)运用绝对数据和相对数据分析,论证出河南农村商业保险发展有较大的潜力,值得各商业保险机构进行业务拓展。(2)对中小保险企业,在拓展农村市场时充分运用渠道力量,发挥合作意识特别采用从共保的方式可以达到事半功倍的效果。(3)发展农村保险事业除了保险企业本身的改进外,还需要政府和外部监管力量从法制宣传、监管力度加强、保护、优惠政策实行等方面进行更一步支持。本论文的创新之处在于系统地划分了河南农村商业保险的发展历程；全面分析了河南农村商业市场潜在的巨大发展能力,在现实数据支持下,指导意义更强；在此基础上,立足保险大省,本文提出的推进河南农村商业保险发展的具体建议,特别是从共保模式的现实意义重大。本论文主要的不足之处为：1、分析方法需要进一步规范；2、文章研究所需的数据不是太充分,课题研究的深度不够。3、没有建立有效的数据模型。
[Abstract]:The rural commercial insurance market is an important part of the commercial insurance market in China. As early as 2005, Wu Dingfu, chairman of the CIRC, stressed that the development of the county insurance market is the need for the insurance industry to support the "three rural" and to serve the overall national economy. It is the need for the sustainable development of the insurance industry and the exploration of the insurance industry with Chinese characteristics. The development road needs.2012 years, the CIRC issued a notice asking the insurance companies to actively and steadily promote the development of agricultural insurance. The Ministry of Finance issued a notice in 2012, requiring the local finance to further increase the subsidies for the agricultural insurance premium of the central government from the aspects of premium subsidy varieties, premium subsidy areas, security level and the proportion of subsidies. Hold the strength.
Therefore, the rural commercial insurance market not only has a broad development space, but also has a good policy advantage. The rural commercial insurance will be the future direction of China's insurance industry, and the market potential of the rural commercial insurance will provide some reference for the Business insurance company to enter the rural market.
On the basis of the basic concept of rural insurance and referring to the research results at home and abroad, this paper reveals the current development status of Henan rural commercial insurance from the aspects of the scale of insurance development, product structure, market share and coverage, and puts forward two major restrictive factors for the development of rural commercial insurance in Henan, and from the natural geographical area and the rural areas. Income, population, consumption structure and industrial structure analysis the potential great potential development ability of the rural commercial market in Henan, and put forward the prediction of the future development prospects of the rural commercial insurance market in Henan. On this basis, this paper puts forward specific suggestions to promote the development of rural commercial insurance in Henan.
The conclusions of this study are as follows: (1) using absolute data and relative data analysis, it is demonstrated that the development of rural commercial insurance in Henan has great potential, and it is worth the business insurance institutions to carry out business expansion. (2) for small and medium insurance enterprises, the channel power is fully used in the development of rural market, and the cooperative consciousness is especially used in the form of CO insurance. (3) in addition to the improvement of the insurance enterprise itself, the development of rural insurance needs more support from the government and the external regulatory force from the publicity of the legal system, the strengthening of the supervision, the protection and the implementation of the preferential policies.
The innovation of this thesis lies in systematically dividing the development course of Henan rural commercial insurance, analyzing the potential great potential development ability of the rural commercial market in Henan, and under the support of real data, the guiding significance is stronger. Based on this, the concrete development of rural commercial insurance in Henan is put forward in this paper. The main shortcomings of this paper are as follows: 1, the analysis method needs to be further standardized; 2, the data needed in the study is not too full, the depth of the research is not enough.3, and the effective data model is not established.
【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】：F842.6;F323.89

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