Anhui Province to build the insurance service system analysis

Abstract: In explaining the Development of rural insurance status of Anhui Province on the basis of analysis of the current insurance system in rural Anhui Province to build the main constraints on the basis of publicity from the insurance, the insurance product innovation, rural insurance Marketing channels to build and strengthen insurance company after-sales service and internal management and other aspects of insurance companies insurance system in rural Anhui Province to build the specific measures, the last building on the government system to improve the external environment recommendations.

Keywords: insurance market, the service system, the external environment

From the insurance industry as a whole trend, the rate of insurance products and the gradual strengthening of the homogeneity of the case, insurance will be the focus of a new competitive insurance market, the insurance company must be from the exhibition industry, insurance, underwriting, claims, disaster loss prevention and other links to provide customers with differentiated services to get customers to trust and rely on, and ultimately create business value, the insurance service system which is the real goal lies with the destination of rural insurance, rural finance on the "three rural" support and protection system is an important part of rural Insurance Service System for the promotion of rural Economic Development and growth of the insurance companies themselves are very important.

First, the Development status of the insurance market in rural Anhui Province
(An accelerated Development of rural insurance market
Anhui Province is a typical rural populous, with a total population of 6516 million, of which 5147 million rural population, accounting for 78.99%, far higher than the national average of .2008, the province achieved a total premium of agricultural insurance policy income of 306 million yuan, rural Life Insurance premiums, 6.839 billion yuan, an increase of 48.18%, to further improve the level of protection of the rural population.

(Two insurance services in rural areas the size of network formed
Currently more than 1,800 counties in Anhui Province, township insurance institutions. Chaohu of China Life Insurance Company, for example, has 120 villages and towns in the city has established more than 50 rural Marketing Services Division, set up rural Development as the basis Marketing Services , to towns and villages as the main sales services to local government, township closely to the administrative village as a unit, establish a basic rural market, China Life complete Terminal Services system.

(Three rapid development of rural insurance policy
1, the agricultural insurance policy with remarkable results. Anhui Province, the proportion of primary industry in GDP in recent years has been for nearly 20%, as a major agricultural province must pay attention to agricultural insurance In 2009 the central government subsidy of nine species have been carried out eight kinds of Anhui , and the province to achieve full geographical coverage, the premium has been achieved, the fan can sow insurance 18,056,200 yuan, 123.87 million yuan insurance, wheat, rice Insurance 147.89 million yuan, insurance, 21.9 million yuan .2009 rape has been achieved in the first half agricultural insurance premium income of 339 million yuan, an increase of 10.7 times, reached 94.84 million yuan of agricultural insurance claims.

2, the new rural cooperative Medical service levels. Anhui cooperative Medical participation rate rising, the management system and operation mechanism has been improved, and has basically established a rural Economic and social development to adapt to the new rural cooperative Medical care system. In 2008, Anhui new rural cooperative Medical care system in the county as a unit to achieve full coverage by the reference-standard 50 yuan per person to 100 yuan, the new cooperative Medical participation rate of 90.1%, for every million people in the province's professional health workers reached 30.7 people, the actual compensation rate of hospitalization was significantly increased (see Figure 1.

(Four traditional pension defects, needs to spread the new rural pension insurance
Anhui is the aging of 12 early entry into one of the provinces, the rural pension situation is very serious and now the villagers used the total annual premium paid in cash with the net income of the villagers than to examine the case in the absence of other benefits to pay old-age farmers insurance capacity.

Rural residents are generally able to accept the premium income of 5% -10% can be seen from Table 1 in terms of what interest rate, beginning after the age of 40, when insurance premiums are accounted for net income close to or more than than the basic 10% for most rural dwellers, is unbearable. the higher the cost becomes constraints insured bottleneck in the development of rural old-age insurance is currently the main basis for the new rural pension insurance, individual contributions and collective benefits and government subsidies three times the sources of financing. more than 100 counties in Anhui Province was included in only 12 new rural endowment insurance policy experiments, which means that the new agricultural insurance pilot evident surface is too narrow, too long to achieve full coverage of the issue.

Second, the constraints of the insurance service system in rural Anhui Province, a major factor in building
(A weak awareness of rural residents Insurance
By the small-impact lifestyle 居民 traditional ideology of production, consumption habits affect is still great, the formation of a raise children for old age, the habit of self-risk, farmers less to consider the purchase of pension insurance. Farmers Insurance awareness is to determine the Baoxian an important factor in effective demand, lack of effective demand directly affects the insurance Insurance Service System.

(B) low levels of income in rural areas, affecting the insurance market to expand
Anhui is the most frequent natural disasters, one of the provinces, to drought and agricultural disasters, mainly floods .2008 affected area of ​​the province's crop due to 1595.17 hectares, 19,498 hectares of crops, among which: the drought affected area of ​​795.84 thousand hectares, an area of ​​crops 78.79 million hectares of crops affected flood area 458.97 thousand hectares of crops area of ​​46.14 hectares. frequent natural disasters caused by the low level of farmers' income situation. In addition, the per capita living expenditure of farmers in Anhui Province has long been accounted for per capita net income Most of them (see Table 2, low level of income is caused by lack of effective demand for rural insurance direct cause.

(C insurance products, single, can not meet the needs of rural development
The current implementation of the insurance coverage is still relatively simple, the insurance companies generally do not address the actual situation in the vast rural areas to carry out the specific situation in rural areas and farmers in line with generally accepted rural insurance products, but simply put the system in accordance with the level of consumption of urban residents in the direct delivery of insurance products to the rural market due to insurance outdated, resulting in the majority of farmers to buy insurance are not enthusiastic.

(Four insurance companies, service level needs to be improved
Rural insurance salesmen generally low education level, the team, poor stability, lack of publicity services, directly affecting the public's trust in the insurance industry, while rural insurance information, insurance consulting, insurance premium collection is always in a fixed location, other very few insurance services provided in a wide range of rural businesses large to small highly fragmented and mostly paid in the case, the insurance company to a survey from the report dealing with claims to the payment of premiums, service is difficult to place in time, the rural insurance households in the dangerous condition of the lack of proper services to the insurance loss of confidence.

Third, build a system of insurance services in rural Anhui Province, strategies and advice
(An expansion of rural insurance publicity
Insurance agencies can move the poster through the insurance field, rural insurance knowledge the team, engendering a variety of rural insurance products in the form of manuals, etc., into the towns and rural areas, in-depth insurance knowledge popularization in rural areas and advocacy at all levels of local government to mobilize the rural grass-roots cadres insured short-term, low-premium insurance coverage, so that they receive timely financial compensation benefits, and personal experiences through their own insurance for public education.

(B) strengthening the rural insurance product innovation
insurance companies should adhere to long-term business, the difference operation of the principle of providing a rural characteristics of the product, establish a farmer-centered sense of service, form a complete system for insurance products in rural areas. Ability to pay farmers in the promotion of rural micro-insurance products, insurance coverage, while extensive, appropriate development of some of the upscale insurance, different income levels to meet the security needs of farmers, for farmers' concerns, the use of targeted programs to increase insurance coverage farmers insurance, interest, income for farmers unstable features, you can launch a more flexible way of payment of insurance products.

(Three Marketing channels to expand rural insurance
1, to develop Marketing team. To develop village-based marketers to enhance their image in the local public good, and the incentive to give appropriate preferential policies, enhance their sense of responsibility.

2, extending the insurance branch in the market demand, development has the potential to control the situation can be put in place to encourage insurance companies to extend branches in rural areas.

3, the advantage of social networks in rural areas to play through the rural postal services, credit cooperatives, and electric power system network advantages, and their respective business-related property insurance, personal accident insurance and other products sales agent.

4, the development of rural insurance intermediaries. To encourage insurance intermediaries active in rural insurance market division of labor, extension services to rural areas to actively network, and gradually establish operating characteristics and brand value. Links to free download http://www. hi138.com (four to strengthen after-sales service to win the trust of rural residents
1, claims links. Customers escape from danger, the time required under the contract the insurance company claims is the key to winning customer confidence measures can be insured by holding claims on the spot to change the value of goods is not an intuitive feature .2009 Langxi suffered a rare tornado, etc. natural disasters, the insurance institutions insured crop disaster situation afternoon quarter-site survey conducted immediately to assess the damage, farmers have received a total of 2.788 million yuan of funds claims.

2, Loss Prevention link. Insurance Loss Prevention is an important part of the insurance business the insurance company has many experts and Loss Prevention Loss Prevention rich work experience, can provide a variety of rural residents to the Loss Prevention services.

3, provides distinctive consulting services. Medical conditions for poor rural areas the situation, the insured farmers need regular health checks, to teach a variety of simple self-help, self-knowledge, often deep into the countryside, listen to the views of most grassroots and insurance requirements, each agency network in the establishment of free advice and complaints desk to provide farmers with intimate insurance services.

(E) strengthening the insurance company's internal management, improve service quality
Insurance companies to change their concepts, to strengthen internal management. Insurance staff to look dignified instruments, friendly, rural insurance services for the special selection suitable way conversation, so that the popularization of the terms explained, so that farmers can really feel the quality of service the insurance company in conjunction with the specific characteristics of rural insurance, balanced development of industry, underwriting, claims the service capacity of each step, so that the insurance business orderly, and in practice, summarize and explore.

(Six to support local Economic development, improve rural people's income
Economic theory tells us that people prefer to avoid the risk related to its own Economic strength. In general, the more difficult economic groups, the more willing to purchase insurance, as incomes increase, demand for insurance will increase the insurance company should be within its power to support local economic development, promote the investment of insurance funds in rural transportation, communication and other infrastructure projects to improve rural people's income levels, thereby increasing the insurance needs of rural areas, while improving the insurance company's social reputation.

(Seven government has introduced appropriate policies, improve the external environment
1, increase the subsidies, first, to increase farmers' production and living an important impact on the agricultural machinery, farm implements and agricultural infrastructure in insurance subsidies, incentives and secondly, the Government can pass legislation to clearly defined tax breaks for rural insurance .

2, to enhance the training of insurance professionals can be to rely on institutions of higher learning, to enhance the training of professionals in agricultural insurance. Currently, there are six universities in Anhui Province opened the insurance profession, colleges and universities can consider these as the basis, the insurance in rural areas of research for the development of rural Anhui Province, the insurance industry to develop high-quality professional back-up personnel.

3, the establishment of rural insurance development incentive system at all levels and functions of local government leaders and staff can be the cause of rural insurance development into all levels of government and functional departments of the performance evaluation system, and truly understand the Rural development of insurance for an important role in building a harmonious society.

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