湖南省农村商业保险现状及对策研究

发布时间：2018-10-25 10:25

【摘要】：农村商业保险的大力发展,是对“三农”政策的最大关注与支持。农村商业保险的发展有利于促进农村区域经济的可持续发展,有利于从基础层面给予中国经济增长以持续的动力和支持,有利于更好的保障广大农村居民的物质生活。截止2014年底,湖南省总人口为7202.29万人,其中农村人口达到3653.00万人,庞大的农村居民的规模为湖南省农村商业保险的发展提供了可能性。本文以湖南省域作为研究的区域背景,以湖南省农村商业保险为主要研究内容,把湖南省农村商业保险的现状与对策作为分析的主线。在分析湖南省农村商业保险供求关系的基础上,从湖南省农村商业保险的自然基础、经济基础和社会基础出发,分析了湖南省农村商业保险产品结构、保险深度和密度及保险营销渠道,并针对湖南省农村商业保险需求者整体弱势,农村商业保险供给者缺乏对农村市场的重视,农村市场存在的保险产品不适应市场需求以及农村商业保险市场开发力度不够等问题,以国外发达国家涉农保险发展的成功经验为借鉴,提出了加快湖南省农村商业保险的发展要从研发适合省情的农村商业保险产品、加强农村商业保险营销管理与服务建设、合理布局农村商业保险网点和营销渠道、健全农村商业保险监管体系等方面着手的建议。
[Abstract]:The development of rural commercial insurance is the biggest concern and support to the policy of agriculture, rural areas and farmers. The development of rural commercial insurance is beneficial to promote the sustainable development of rural regional economy, to give China's economic growth a sustained power and support from the basic level, and to better protect the material life of rural residents. By the end of 2014, the total population of Hunan province was 72.0229 million, of which the rural population reached 36.53 million. The large scale of rural residents provided the possibility for the development of Hunan rural commercial insurance. This paper takes Hunan Province as the regional background and Hunan rural commercial insurance as the main research content, taking the present situation and countermeasures of Hunan Province rural commercial insurance as the main line of analysis. Based on the analysis of the relationship between supply and demand of rural commercial insurance in Hunan Province, this paper analyzes the product structure of rural commercial insurance in Hunan Province, starting from the natural, economic and social basis of rural commercial insurance in Hunan Province. Insurance depth and density and insurance marketing channels, and in view of Hunan Province rural commercial insurance demanders overall weak, rural commercial insurance providers lack of attention to the rural market, The problems of the insurance products in the rural market are not suitable for the market demand and the development of the rural commercial insurance market is not strong enough. The successful experience of the development of agricultural insurance in developed countries is taken as a reference. In order to accelerate the development of rural commercial insurance in Hunan Province, it is necessary to develop rural commercial insurance products suitable for provincial conditions, strengthen the marketing management and service construction of rural commercial insurance, and rationally distribute rural commercial insurance outlets and marketing channels. Suggestions to improve the supervision system of rural commercial insurance.
【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】：2017
【分类号】：F842.6

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