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通过实地调查,发现江苏农村保险经营在人力、物力、财力方面高碳现象严重:人身保险产品大量闲置,巨大的潜在保险需求被忽视;农村偏远,经营成本高,保险资源有待整合;保险营销队伍老化,产能不高;农业保险骗保现象严重,增加了不必要的赔付支出,是保险资源的浪费。建议江苏险企据农民需求设计保险产品,提高展业和理赔效率;建议江苏政府引导保险资源向农村倾斜,并给予渠道和资金支持。
Through field investigation, it was found that the rural-insurance operation in Jiangsu Province has serious high-carbon phenomena in manpower, material and financial resources: a large number of life insurance products are idle and huge potential insurance needs are neglected; rural areas are remote, operating costs are high and insurance resources are to be integrated; insurance marketing teams Aging, low production capacity; serious agricultural insurance fraud, increasing unnecessary payment of expenses, is a waste of insurance resources. It is suggested that Jiangsu insurance companies should design insurance products according to peasants’ needs so as to improve the efficiency of exhibition and claim settlement. It is suggested that Jiangsu government guide insurance resources to tilt to rural areas and provide channels and financial support.