农村人身保险产品设计与发展创新研究

发布时间：2018-12-27 17:02

【摘要】：我国已经进入建设社会主义新农村新阶段,并且我国是典型的农业大国,农民占社会人口中的绝大部分,所以首先要保障好农民的切身利益,解决好农民的医疗、人身安全、养老等保障问题,才能真正改善农民的生活质量。农村商业人身保险无疑是农村社会保障的重要补充部分。与城市商业性人身保险目前发展情况相比,农村市场有所发展但力度不足,普及农村地区人身保险符合维护社会稳定和平衡城乡保险市场的双重要求。那么如何能设计出适合农村人身保险市场的产品是一项非常重要的研究,如何能扭转当前农村人身保险发展普及缓慢这一形势也是需要更多的学者去研究。农村人身保险产品发展的良性循环对现阶段我国农村人口老龄化、完善农村社会养老保障体系具有重大现实意义。目前我国农村人身保险产品设计发展滞后于农村市场需求,农村人身保险产品必须创新才能解决农民的真实需求。基于此研究背景,本文首先阐述了农村人身保险发展背景和现状,分析农村人身保险市场的发展形势及问题。大多数农村人身保险产品由城市产品照搬过来,而现在农民的收入在稳步提高,所以现有的大部分农村人身保险产品尚不能真正满足广大农民的需求。纵观当前的人身保险产品不难发现很少有真正适合广大农村居民朋友的。本文针对以上问题,设计调查问卷。在湖北省部分农村地区采用实地考察、问卷调研方式,收集数据进行归纳分析。从充分考虑城乡差异化、农村人口特点、农村传统文化等多角度总结。提出农村人身保险产品设计的创新思路和建议,希望能设计出更人性化的农村保险产品,最终促使农村人身保险产品和市场朝着良性化方向发展。
[Abstract]:Our country has entered a new stage of building a new socialist countryside, and our country is a typical agricultural country, and farmers account for the vast majority of the social population. Therefore, first of all, we must ensure the vital interests of farmers, solve the medical care and personal safety of farmers. Pension and other security issues, can truly improve the quality of life of farmers. Rural commercial life insurance is undoubtedly an important supplementary part of rural social security. Compared with the current development of urban commercial personal insurance, the rural market has developed but not enough. Popularizing personal insurance in rural areas meets the dual requirements of maintaining social stability and balancing the urban and rural insurance market. So how to design products suitable for the rural life insurance market is a very important research, how to reverse the current situation of the slow development of rural life insurance is also need more scholars to study. The benign cycle of the development of rural life insurance products is of great practical significance to the aging of the rural population and the improvement of the rural social old-age security system. At present, the development of rural life insurance products in China lags behind the demand of rural market, and rural personal insurance products must be innovated in order to solve the real needs of farmers. Based on this research background, this paper first expounds the development background and current situation of rural personal insurance, analyzes the development situation and problems of rural personal insurance market. Most of the rural life insurance products are copied from urban products, but now the income of farmers is steadily increasing, so most of the existing rural life insurance products can not really meet the needs of the majority of farmers. Looking at the current life insurance products, it is not difficult to find that there are few really suitable for the vast number of rural residents friends. In view of the above questions, this paper designs a questionnaire. In some rural areas of Hubei Province, field investigation, questionnaire survey, data collection and analysis. From the full consideration of urban and rural differences, rural population characteristics, rural traditional culture and other aspects of summing up. This paper puts forward the innovative ideas and suggestions of designing rural personal insurance products, hoping to design more humanized rural insurance products, and finally to promote the development of rural life insurance products and markets towards the direction of benign development.
【学位授予单位】：武汉轻工大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F842.62;F323.89

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