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由于农村经济发展水平低,农村寿险交易成本高,以及政府支持力度不够,造成中国农村寿险市场供给主体数量少、险种单一、营销体系不完善、农民保险需求不足的现状。但通过对各种因素的分析表明,农村寿险市场的潜力是巨大的。为了加速农村寿险的发展,在商业保险公司自身努力的基础上,还应充分发挥政府的重要作用。
Due to the low level of rural economic development, the high transaction cost of rural life insurance and the lack of government support, the current situation of the rural life insurance market in China is few, the types of insurance are different, the marketing system is not perfect, and the insurance demand of peasants is insufficient. However, the analysis of various factors shows that the potential of the rural life insurance market is huge. In order to accelerate the development of rural life insurance, on the basis of the efforts of commercial insurance companies, the government should give full play to its important role.