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伴随中国农村加快推进城镇化,农民大规模转移的迅捷进程,亟待破解的诸多“三农”难题中,农村社会保障缺失和保险服务不足问题日益凸显,这不仅关系到广大农民的基本利益,也关系到建设和谐社会和社会主义新农村建设的根本目标。但因为“三农”问题的复杂性和地区发展的不平衡性,使得我国农村社会保障的建立在各地尚处于摸索阶段。由于商业保险既具有与其他农村社会保障制度在发挥社会“安全网”和“减震器”功能上的一致性,又兼备金融功能的独特性,因此,在当前中国农村大变革背景下,
Accompanying the swift process of speeding up the urbanization and peasants’ large-scale transfer in rural China and the many “three rural-agriculture” problems that need to be solved urgently, the problem of the lack of social security and the insufficiency of insurance services in rural areas has become increasingly prominent. This not only concerns the basic interests of the broad masses of peasants , But also to the fundamental goal of building a harmonious society and building a new socialist countryside. However, because of the complexity of the issue of “three rural issues” and the imbalance of regional development, the establishment of rural social security in our country is still in a groping phase. Because commercial insurance not only has the same function as other rural social security systems in exerting social functions, safety nets and shock absorbers, but also possesses the uniqueness of financial functions. Therefore, in the current great changes in rural China, Background,