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落后的传统观念、营业网点偏少、同业间的无序竞争等因素制约了我国农村保险业的发展。目前,农民收入的普遍提高、农村市场经济体制的不断完善、保险机构市场开拓能力的大力提高等为农村保险业实现跨越式发展提供了可能。今后,应通过进一步发展完善农村营销网络体系、加大保险宣传力度、设计适销对路的保险产品、加强农村业务规范化管理等措施,实现我国农村保险业务的跨越式发展。
Trailing traditional concepts, few business outlets, disorderly competition among peers and other factors have restricted the development of rural insurance in our country. At present, the general improvement of peasants’ income, the continuous improvement of the rural market economic system and the great improvement of the market development capability of insurance institutions have provided the possibility for the leap-forward development of the rural insurance industry. In the future, measures should be taken to further develop and perfect rural marketing network system, increase insurance publicity, design marketable insurance products and strengthen standardized management of rural businesses so as to realize the leapfrog development of rural insurance in our country.