吉林省农村保险市场发展问题研究

发布时间：2018-12-30 18:13

【摘要】：农村保险包含人身保险和财产保险方方方面,经过去年的调查发现吉林省目前主要销售的农村人身保险为农村医疗保险、养老保险、农民工保险、子女教育及意外伤害保险,主要的农村财产保险有传统农业保险、农村家庭室内财产保险、农房保险、机动车保险、农机具保险。这些保险产品都是从传统的农业保险基础上发展起来的,建国初期吉林省的农村保险由于经济政治等方面的原因发展缓慢,在文革时期终止了一段时间,直到80年代初才又恢复运营,但是受国家经济体制和政策导向的影响发展比较迟缓,农村保险市场比较单一,相对来说保险市场也比较落后,有的就是城市保险市场直接拿到农村中去,导致保险业务销售滞后,不能满足农村市场的需求,供求关系存在着较大的差距和矛盾,关于农村保险市场的开发更是落后。到2003年以后,吉林省提出建设新农村、构建和谐社会、区域协调发展实现共同富裕,农村保险才有了蓬勃发展的机会,主要是农村保险方面发展的比较迅速,其他的农村保险在政府政策的大力支持下也蓬勃发展,能够看出农民参保意愿的强烈,农村保险市场前景广阔。国家对农村保险也的改革发展做出了一系列重大决策,推出了一系列开发举措,尤其是将“三农”保险做为支农的农村保险开发方式,纳入了农村社会发展的支持保护体系。同时,由于保险市场的主体不断增加,城市市场竞争更加激烈,经营成本不断增加。由于以上原因,吉林省农村保险业应增强保险发展策略的研究,尤其是农村保险市场开发策略的研究,以期在不断满足农民保险保障的需求进程中大力开拓农村保险市场占据农村保险市场的主导地位来实现跨越式发展,同时帮助政府从市场角度解决“三农”问题和构建和谐社会等都具有重要的策略意义。本文采用了实证分析法与规范分析向结合的方法,分析农村保险市场需求相关的因素,同时采用定性与定量分析相结合,并结合实际收集的数据资料,分析各种因素对农民消费者购买保险的影响方向和影响程度。研究的内容及结果如下：第一章分析了研究保险业和农村保险业的的国内外基本理论；第二章分析了市场开发的基本模式和策略；第三者分析了吉林省农村保险的需求情况及各种因素对保险的影响；第四章分析了现阶段吉林省保险供给情况；第五章是分析市场细分与市场定位结合,结合吉林省农村保险市场的特点进行农村保险市场理论分析；第六章结合吉林省农村保险的需求特点与保险供给现状缺陷,再结合市场开发策略的基本理论和市场细分与定位的基本理论,主要从这三个方面结合政府支农政策,提出吉林省农村保险市场发展策略的基本策略构建,并对可能促进农村保险市场发展策略的研究提出一些建议。
[Abstract]:Rural insurance includes personal insurance and property insurance. After last year's investigation, it was found that the main rural personal insurance currently sold in Jilin Province are rural medical insurance, old-age insurance, migrant workers' insurance, children's education and accidental injury insurance. Main rural property insurance has traditional agricultural insurance, rural household indoor property insurance, farm house insurance, motor vehicle insurance, agricultural machinery insurance. These insurance products all developed on the basis of traditional agricultural insurance. In the early years of the founding of the people's Republic of China, rural insurance in Jilin Province developed slowly due to economic and political reasons, and ended for some time during the Cultural Revolution. It was not until the early 1980s that it resumed operations, but under the influence of the national economic system and policy, the development was relatively slow. The rural insurance market was relatively single, and the insurance market was relatively backward. Some are the urban insurance market directly to the rural areas, leading to the lagging of insurance business sales, unable to meet the needs of rural markets, the supply and demand relationship has a large gap and contradictions, the development of rural insurance market is even more backward. Since 2003, Jilin Province has proposed to build a new countryside, build a harmonious society, and achieve common prosperity through coordinated development of the region. Only then can rural insurance have the opportunity to flourish, mainly because of the rapid development of rural insurance. Other rural insurance is booming with the support of government policy, which can see the strong willingness of farmers to participate in the insurance, the prospect of rural insurance market is broad. The state has made a series of important decisions on the reform and development of rural insurance, and has put forward a series of development measures, especially the "three rural" insurance as a way of developing rural insurance to support agriculture, which has been brought into the support and protection system of rural social development. At the same time, the main body of the insurance market is increasing, the competition in the city market is more intense, and the operating cost is increasing. For the above reasons, the rural insurance industry in Jilin Province should strengthen the research on the development strategy of insurance, especially the research on the development strategy of the rural insurance market. In order to continuously meet the needs of farmers' insurance security in the process of vigorously developing the rural insurance market to occupy the dominant position of rural insurance market to achieve leapfrog development. At the same time, it is of great strategic significance to help the government solve the problems of agriculture, countryside and farmers from the market point of view and build a harmonious society. This paper adopts the method of empirical analysis and normative analysis to analyze the factors related to the demand of rural insurance market. At the same time, it combines qualitative and quantitative analysis, and combines with the data collected in practice. This paper analyzes the direction and degree of influence of various factors on the purchase of insurance by farmers. The research contents and results are as follows: the first chapter analyzes the basic theories of the insurance industry and the rural insurance industry at home and abroad, the second chapter analyzes the basic models and strategies of market development. The third party analyzes the demand of rural insurance in Jilin Province and the influence of various factors on insurance, the fourth chapter analyzes the supply of insurance in Jilin Province at the present stage. The fifth chapter is to analyze the combination of market segmentation and market positioning, combined with the characteristics of Jilin Province rural insurance market theoretical analysis of rural insurance market; The sixth chapter combines the demand characteristics of Jilin Province rural insurance and the deficiency of insurance supply, and then combines the basic theory of market development strategy and the basic theory of market segmentation and positioning, mainly from these three aspects combined with the government policy to support agriculture. This paper puts forward the basic strategy construction of the rural insurance market development strategy in Jilin Province, and puts forward some suggestions for the research on the development strategy of the rural insurance market.
【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】：F842.7

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