对农村保费资金归集问题的思考

农村保费资金的有效归集是保险业服务社会主义新农村的现实举措。目前我国广大农村保费资金归集存在的主要问题是银行渠道出现断层，而现金直接交至县级公司的方式风险较大。农村目前的金融服务机构主要有中国农业银行、邮政储汇局和农村信用社，这三条渠道各有利弊。建议充分利用农业银行的网络，将农业银行作为农村保费资金归集的首选渠道，同时在注重风险防范的基础上，强化成本和效益观念，积极探索利用邮政网络和信用社归集保费资金的途径。

Effective collection of premium from rural areas is a very practical issue for the insurance sector to serve the new socialist countryside initiative. The current problem facing premium collection in rural areas is mainly due to the discontinu- ance of bank network there. And cash payment made to county field offices of insurance companies carries high risks. The major financial services institutions in rural areas are Agricultural Bank of China, Postal Savings Bureau and Rural Credit Unions, who have respective strengths and weakness. We recommend making a full use of the network of Agricultural Bank as the first choice for premium collection, Meanwhile, we are to explore with the usage of networks of Postal Savings Bureau and Credit Unions to collect premiums while building up risk prevention capacities and strengthening cost and efficiency coneepts.