ReasonsandCountermeasuresaboutOne-TimeConsumptionofRuralCommercialInsurance.PDFVIP

Modern Management 现代管理, 2015, 5(5), 117-125 Published Online October 2015 in Hans. /journal/mm /10.12677/mm.2015.55017 Reasons and Countermeasures about One-Time Consumption of Rural Commercial Insurance —Based on the Research in Shaanxi Province Yuhua Yang Northwest AF University, Xianyang Shaanxi Email: yangyuhua-queenie@ th rd th Received: Oct. 5 , 2015; accepted: Oct. 23 , 2015; published: Oct. 26 , 2015 Copyright © 2015 by author and Hans Publishers Inc. This work is licensed under the Creative Commons Attribution International License (CC BY). /licenses/by/4.0/ Abstract In the insurance sectors, most people think that the farmers who suffered insurance accidents will be more clearly realized the importance of buying insurance. Interestingly, as for the rural commercial insurance, because of poor insurance services, being less motivated to pay for in time and lacking of enough payments, so a strange phenomenon appears—“one-time consump- tion of rural commercial insurance”, farmers don’t want to buy rural commercial insurance after the insurance accidents rather than buy it again. Through an investigation of farmers in the Shaanxi Province, 254 effective questionnaires have been got. Those data show that 61% of farmers do not plan to buy insurance again. Based on fuzzy comprehensive evaluation method, the following four results are achieved: i) insurance companies show less initiative; ii) the pay- ments are too low to meet the farmers’ need; iii) farmers need a long time to get payments; iv) the rural commercial insurance can be easily replaced. Finally, there are three effective ways to let farmers cont