社会保障缺失下的农村保险市场可拓性分析

Analysis on Rural Insurance Market Extension under the Condition of Social Security Deficiency

目前我国农村社会保障严重缺失,但农村又有巨大的风险保障的需求,农村保险正可以填补这种漏洞。对此,必须提高农村居民的风险管理意识和必要的保险意识;政府应加快保险立法工作,为处理农村保险问题提供法律依据,不断进行必要的制度创新,为农村保险的发展提供强有力的法律和制度支持;保险企业组织要搞好保险服务工作尤其是保险理赔工作,不断开发新产品,优化保险产品结构,努力提高农业保险业务经营水平,加强风险控制和管理,建立和健全农业保险管理体系。

Currently, social security is quite insufficient in China＇s rural area, where there is tremendous demand for risk security. Ru- ral insurance just can fill up this loophole. In such case, work must be done in different aspects： efforts should be made to improve rural residents＇ awareness of risk management and insurance; the government should push the legislation of insurance and system innovation to offer legal ground and support when handling rural insurance problems; insurance enterprises should do well in the service, particularly in settling claims, and develop new products, optimize product structure, improve professional operation, strengthen risk control and management, and establish and perfect agricukural insurance management system.