立足价值创新开创“三农”保险新局面

我国保险业规模不断增长、体制改革取得重大突破、社会经济功能初步发挥，但“三农”保险领域仍存在保费同比增长较快与保险深度相对较低、市场主体发展较快与市场覆盖面不广、市场化程度较高与市场法规不完善等矛盾。开发“三农”保险，应注重转变保险业增长方式。实现价值创新，坚持经济效益与社会效益的统一，降低经营成本，推行精细化管理，研发适销对路的保险产品。做好诚信体系的构建等工作，从而开创“三农”保险的新局面。

Even though we have witnessed continuous expansion of the business scale of China＇s insurance industry, major breakthroughs of mechanism reform, and initial display of its social and economic function, ＂San Nong＂ insurance is stilled characterized by a relatively low penetration versus relatively rapid year-on-year growth, narrow market coverage versus quick increase of market entities, and fairly high degree of market orientation versus incomplete legislation. To further tap the ＂San Nong＂ insurance potential, we should pay more attention to the transformation of the business growth model towards value innovation, give consideration to both economic benefits and social benefits, lower operating costs, promote intensive managemerit, develop marketable products and establish an effective creditability framework. By so doing, we will usher in a new phase of ＂San Nong＂ insurance in China.