Reporters learned from the China Insurance Regulatory Commission, China's rural areas has been launched 14 micro-insurance products, both middle-aged pilot sales of premium less than 30 yuan.
Small insurance for low-income rural and urban populations to provide a life insurance is a market-oriented financial means to help the poor, more and more widely used in developing countries. However, due to China's farmers live scattered, weak awareness of insurance, low capacity to pay, let the farmers are willing to buy insurance, affordable insurance, retail insurance coverage of the expanding micro-insurance has become the biggest challenge.
As early as June this year, the China Insurance Regulatory Commission issued the "Small rural life insurance pilot program" in 9 provinces and autonomous regions of the following counties to carry out small township insurance pilot, the pilot of the central rural work fit the spirit of reform and development, Relaxed products Bookings insurance rates, sales channels and micro-insurance sales qualifications, supervision fee waiver to encourage insurance companies to carry out model and technology innovation.
The experimental work carried out for two months since the initial results achieved in a few days ago at the "International Symposium on micro-insurance", Chen pointed out that the assistant to the chairman of the China Insurance Regulatory Commission, one of the innovative products, provided farmers with low-cost, appropriate security The life insurance protection. At present, a total of 14 micro-insurance products, sales of middle-aged pilot premiums are less than 30 yuan. The second is to explore new business model to include retail insurance coverage to the middle and low-income farmers. China Life Insurance (601,628, it shares) through the entire village in Shanxi branch of the EC mission security risk for remote rural micro-insurance; through the village doctors, plumbers, and other micro-insurance agent; to carry out micro-insurance, such as family insurance business .
Chen said that the China Insurance Regulatory Commission will be a breakthrough for rural micro-insurance, and actively develop rural insurance, and insurance services to achieve the Pratt %26amp; Whitney, so that the majority of the rural masses of the insurance industry to share the fruits of development. At the same time, he hoped that China's insurance industry to take full advantage of this international seminar on micro-insurance opportunities to strengthen exchanges and promote the development of China micro-insurance.
At the same time, the China Insurance Regulatory Commission Vice Chairman Zhou ceremony earlier in answer to the media the next step in the China Insurance Regulatory Commission to actively promote micro-insurance initiatives which will be the issue, he said that the insurance industry to participate fully in effect three agricultural insurance services Show, the next step we have to continue to improve. Earlier this year, the International Association of Insurance Supervisors to China as part of its micro-insurance in the world to carry out the pilot countries.
Zhou said the China is a large agricultural country, a small insurance mainly in three aspects:
First, personal insurance. To the development of some of the needs of farmers for the price relatively low insurance, with user-friendly method to solve the problem of production and life, especially personal security.
Second, in regard to micro-credit. We must and rural financial institutions, rural services, financial institutions, strictly to do a good job of micro-credit insurance, both of the repayment burden on the farmers to solve the problem, but also due to address the accidents, such as work-related injuries caused by the lack of ability to repay their loans, which must be An in-depth study.
Third, in the agricultural insurance. Agricultural modernization and mechanization is a way to increase the income of farmers, how to protect farming, to address the worries of farmers, but also to be carried out by the contents insurance.
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