河北省农村人身保险的发展困境与对策分析.docVIP

经典专科、本科、硕博、研究生、期刊毕业论文 经典2019成稿 仅供参考 精心整理 仅供参考 勿用作商业用途 毕 业 论 文 学生姓名： 董艺璇 学 号： 20151201012004 系别班级： 15保险本二 专 业： 保险学 题 目：河北省农村人身保险的发展困境与对策分析 指导者： 王香兰 教 授 评阅者： 晋 颖 副教授 2019 年 4 月 20 日 经典专科、本科、硕博、研究生、期刊毕业论文 经典2019成稿 仅供参考 毕业论文中文摘要 河北省农村人身保险的发展困境与对策分析 摘要： 河北省是农业大省，拥有4449多万农民，约占河北省总人口的62%，推动农村人身保险的发展，能够有效地推动河北省保险业的发展。但由于多数农村地处偏远，人口居住较为分散，不利于保险公司进行保险宣传，大部分农民保险意识较差，投保积极性不高，一旦发生风险事故无法得到相应的补偿。与城市相比，农村地区经济发展缓慢，基础设施较差，收入偏低，针对农民的保险产品有效供给不足，农民投保率较低。同时，高成本、低收益的农村人身保险现状也使得保险公司缺乏开发农村保险市场的积极性。本文通过对河北省农村人身保险的发展现状和存在问题进行分析，寻找目前其面临的困境，总结其发展过程中的经验教训，针对河北省农村人身保险的发展困境提出解决对策。 关键词： 农村人身保险 发展困境 对策分析 精心整理 仅供参考 勿用作商业用途 毕业论文外文摘要 Analysis on the development dilemma and countermeasures of rural personal insurance in Hebei Province Abstract Hebei is a major agricultural province, with more than 44.49 million farmers, accounting for about 62 percent of its total population.Promoting the development of rural personal insurance can effectively promote the development of insurance industry in Hebei Province.But because majority country is located in remote, population lives relatively dispersive, go against insurance company to undertake insurance propaganda, major farmer is sure consciousness is poorer, cast protect enthusiasm is not tall, once produce risk accident to cannot get corresponding compensation.Compared with urban areas, rural areas have slow economic development, poor infrastructure, low income, insufficient effective supply of insurance products for farmers, and the insurance rate of farmers is low.At the same time, the current situation of high cost and low income rural personal insurance also makes insurance companies lack the initiative to develop the rural insurance market.Based on the analysis of the development s