Since the reform and opening up rural social security system gradually established, and help some farmers out of poverty. However, the current Chinese farmers back into poverty is serious, concentrated expression of the insurance and commercial insurance institutional mechanisms for rural community is not perfect, there is no guarantee the lives of farmers. Moreover, in our lack of farmer insurance system research attention, so much rural insurance system in practice. Therefore, the study of rural residents in the province insurance system for rural residents insured rich theoretical system of our country, to promote the implementation of relevant policies, has important theoretical value. In this paper, literature research, a full analysis of insurance system in China's rural residents, the meaning and function of these systems overview. Second, in-depth analysis of the current problems of rural residents insured, to talk about the two aspects of social security systems and business insurance. Again, analytical causes of the problems of the current insurance system for rural residents. Finally, to optimize the design based on the rural insurance system under the Modernized Background.

 

Keywords：rural insurance; social security; Guizhou rural insurance