Frequent activities of industrial production, humans have had an impact on the air environment, increasing pollution. Under this background, the concept of low carbon economy is put forward, and prevailed in the world, it is to provide humans with a wonderfull life environment, but also to provide protection for life and development after generations in. Nowadays, the low-carbon economy has become the main direction of development, have the requirements of the state and individual, the national energy-saving emission reduction requirements, different levels of development of the energy-saving emission reduction requirements are also different, but for the individual will be required to develop green lifestyle. In short, the low carbon economy of the state and the individual, have some influence on all walks of life insurance is no exception.
In the insurance industry, insurance is a new type of business, the vast rural areas is mainly in its scope, it can implement to improve the living level of the region, and to the coordinating role of the urban and rural development.
First, the connotation of low carbon economy.
The concept of sustainable development and promote the popularization of the implementation of the concept of low carbon economy, actively application of innovation and technology in the development of new energy resources, avoid the waste of resources, realize the two-way development of economic and social benefits.
1 low carbon energy development.
The development and utilization of low carbon energy, such as solar energy, geothermal energy and wind energy, to provide the basis for the development of the economy, the carbon dioxide emissions to effectively control and reduce, reduce the pollution to the environment. The development and utilization of low carbon energy needs continuous innovation and new technology means, and actively in all kinds of professional and technical talent training or introduction, effectively promote the development of new low-carbon energy.
2 adjustment of industrial structure.
The requirements of the development of low carbon economy will process backward, banning change, continuously adjust the structure of industry, if the enterprise did not fulfill its responsibility for environmental protection and high pollution, need to dispose of, such as warning, fine, low carbon industrial production to give support and encouragement, so that the utilization rate of resources has been optimized, the minimum the environment is influenced by social production decreased.
3 the two use.
Two times of low carbon economy in the use of resources is also an important part. To collect resources, then do the processing and production, and finally to use is the specific process of industrial production. The resources waste phenomenon is very common in the process, and the waste of resources will cause the shortage of resources increased. Low carbon economy requires recycling the use of resources, and re investment in the industrial production process, in order to form a recycling system.
Two, the role of small life insurance.
In 2008 the micro life insurance in China, the insurance companies are allowed to implement to decide on the pricing of interest rate under the adjustment of national policies. With the development of insurance, the insurance amount rising, its coverage is gradually expanding, the new rural cooperative medical system also provides a good platform for the development of its positive effects. Micro insurance is mainly manifested in the following aspects:
1 expand the insurance industry.
The good development of the insurance industry needs to actively extend the connotation of products constantly, and constantly to own coverage expansion. But the level of economic development in the urban and rural differences phenomenon also affected the scope of insurance coverage, and the implementation of insurance to the vast rural areas have been effectively covered not only. The insurance industry has a new look, but also to the overall effect of urban and rural development.
The concept of development of the insurance industry in the past is narrow, and expand rural market adds new challenges and opportunities, its development prospects are very impressive. The standard of living in rural areas in the background of increasing life insurance, during which residents awareness has been enhanced, development to rural areas and penetration of insurance business is necessary for business organization to improve, adopt the innovation mechanism, to expand insurance coverage, the insurance industry continues to grow.
2 all-round development of society.
The insurance industry has its social function, micro life insurance to helping effect on the difficulties of the masses, help to improve their living difficulties, help the management and construction of rural system, coordinated development of urban and rural areas, the development of more comprehensive. The market economic environment has undergone great changes under the influence of reform and development policy, also greatly influenced the rural and city residents living conditions.
Cooperative medical system and social relief is effectively improved by major disasters and natural disasters in distress situation, but its role is not comprehensive, such as personal injury risk losses. For the difficulties of the masses, these policies and measures can not make it completely out of the dilemma. The emergence of a small life insurance market, the adjusting mechanism can better play, help low-income persons will be the transfer of economic loss, the social risk reduction, a comprehensive coordination and conducive to social development.
3 the improvement of security system.
Relief agencies, social insurance and other social security system is the country in order to improve the level of people's material life, the fair market environment to build the peace and the measures taken. The insurance forms and voluntary insurance, is to respond positively to national policies, to regulate the development of differences. The more important is to improve the rural social security system.
Financial security and economic development in rural areas is relatively slow and not overall, provide timely and effective assistance for residents living in difficult production, and small insurance to improve the long-term problems. The rural population's insurance consciousness is enhanced by this new type of insurance, the standard of living will be improved, meet the demands of building a new socialist countryside.
Three, strategy.
1 integration of insurance resources.
Are set up in the village, the business can go to rural areas, to achieve savings of time and resources, the implementation of low-carbon business. The imperfect information and convenient transportation have increased the difficulty of rural residents' claims, not only the demand of the rural residents can not be satisfied, the image of the insurance industry greatly.
In the accident, in addition to the above factors claims not timely and difficult to achieve, there is a problem on the underwriting and claim, marketing personnel are faced with moral hazard and adverse selection problems of every kind of, leading to higher claims costs. Set up in the village is to overcome these difficulties, so that rural residents can claim timely solve, but also to avoid the moral hazard problem.
In addition, there are specific needs help to understand the area residents, so as to carry out the expansion of new markets, will be used for claims cost, time is greatly reduced, the real implementation of low-carbon economy. To use the card in the claims, will simplify the operation procedure, the human resources to achieve a low carbon.
Expand insurance coverage requires a lot of manpower and resources, in the form of card to help achieve low carbon business. Insurance companies should regularly training the marketing team, continue to strengthen their professional knowledge, and strengthen the explanation of insurance, so that it can work efficiently and increase the bank credit cooperatives. Outlets in the country, paperless service is conducive to insurance, taking the opportunity of innovation of customer service and settlement service, greatly save on manpower.
Taking Jiangsu area as an example, lucky card, family portrait for rural and new rural cooperative insurance claims is the bank card, the Jiangsu area agricultural good economic foundation, comprehensive credit cooperatives, banking network coverage, increase the implementation of card convenience, in cooperation with banks, credit cooperatives, the premium paid by the bank card, make deposits, loans and settlement business, convenient and simple.
The card can not only increase the volume of business of the bank, can the insurance company charges and claims business simplified, convenient renewal insured days after the long-term development, contribute to the project, but also to actively implement the concept of low carbon. To establish relations of cooperation with medical institutions, will also expand the income and reduce risk. Low premium is a major feature of insurance, to achieve profitability goals, on the one hand should reduce operating costs, on the one hand, the need to control the risk, avoid the occurrence of moral hazard and reverse selection.
We should establish a contractual relationship with the insured in the detailed specifications of the examination, and examination regularly after the commencement of the contract, and establishing security impairment of the corporate image is also very beneficial to the potential risks of the timely detection and timely treatment, can be nipped in the bud, loss rate decreased.
The insurance company usually have a medical station, but affected by the traffic is not convenient, rural population and other factors, need a lot of financial resources to complete the insured insurance examination for the insured is relatively time-consuming.
Establish a cooperative relationship with medical institutions or health centers, the integration of resources, the insured can be at home physical examination, eliminating the back and forth, but also to avoid unnecessary waste
2 sales model innovation.
In rural areas, residents' awareness of insurance is not sufficient, and this area is densely populated, to promote micro insurance must have a certain strategy, otherwise the policy issued by way of propaganda is from door to door paper and human waste. If the use of government power to the village for small personal media insurance to residents publicity and recommendation, get the villagers recognized the implementation of system security, centralized eligible unified insurance, can not only realize the effective propaganda, can reduce the waste of resources.
The number of resources in a single village can save greatly. By the village cadres to more easily accepted by the villagers, insurance coverage can be significantly enlarged, effectively reducing the risk. Taking Guangdong area as an example, the Guangdong University of Finance study found that the reason why farmers do not want to insure, 21.69% do not trust the insurance company 34.94%, do not understand insurance, do not know what to buy, 20.10% do not understand the insurance clauses, 12.05% to 6.02% for the purchase of claims is difficult, inconvenient, 5.20% without suitable insurance, to understand and do not trust the majority.
Unified insurance can save a lot of resources and gain the trust of the villagers, is a very effective method to the success of microfinance. As a reference, the insurance company can be further cooperation with credit unions, banks, and promote the development of micro insurance.
The development of the insurance industry bank insurance cooperation is an important way in rural credit cooperatives, the bank set up more outlets, and has a large base, rural microfinance is becoming mature, bancassurance is using its influence and resources to expand the customer base.
By means of cooperation, business fixed sites, potential policyholders can consult, the insured can claim, for the staff is a great convenience for customers. Because the insurance premium is low, cost control helps to increase profit. Carries on the investigation to understand the specific situation of the insurance company to deal with in different regions, and according to the different needs of the design of insurance products in different regions.
Left behind in rural areas the problem is more prominent, young adults are mostly out of work, stay mostly in the elderly, in view of this situation can implement small endowment insurance, the insurance company can meet its needs. Through the participation of rural endowment of the way to ensure the sustainable development of small endowment insurance, funds, manpower and material resources the way of nursing homes, health and medical facilities are perfect and improve, improve the practical problems of the elderly left behind, to establish a good corporate image.
In addition, the introduction of preferential programs can also be insured to the nursing home endowment can enjoy a certain discount, to stimulate their enthusiasm for insurance, so that the development of small personal insurance to be robust
Reference
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