Including speeding up the reform of rural credit cooperatives, adjusting the postal savings-to-deposit policy, starting the postal savings reform, promoting the development of rural microfinance business, exploring the pilot of rural microfinance organizations, and developing agricultural products futures and agricultural insurance. Specifically, it is necessary to speed up the establishment and improvement of a multi-level, wide-coverage and sustainable rural financial system that adapts to the characteristics of agriculture, rural areas and farmers, including the establishment of a rural financial organization system with reasonable division of labor, diversified investment, perfect functions and efficient services, a relatively developed rural financial market system and a rural financial product system with rich business varieties, and the functions of serving agriculture, rural areas and farmers have been significantly enhanced.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.