This article analyzed present situation of Chinese country insurance, probed into the main problems of its development.

To develop country insurance is China s difficulty,which needs state s policy support,the combination of commercial insurance and national policy insurance and farmers mutual cooperation.

Cooperation with the Chinese Insurance Rural Insurance System Innovation;

Rural insurance is one of the most important parts of rural finance.

In such case,work must be done in different aspects: efforts should be made to improve rural residents awareness of risk management and insurance;the government should push the legislation of insurance and system innovation to offer legal ground and support when handling rural insurance problems;insurance enterprises should do well in the se.