信息共享、风险分担与农村银保互动机制

Information Sharing Risk Sharing and Interactive Mechanisms of the Banc-assurance Cooperation in Rural

通过保险分散农村信贷所蕴含的风险是农村信贷风险分担的重要途径,也是农村金融发展的主要趋势。农村银保间信息共享可以有效防止信息不对称造成的逆向选择;农村银保间风险分担可以通过利益捆绑和激励相容解决道德风险。通过研究张家界市的"信贷+保险"缔约过程与履约条件发现,银保合约创新分担了信贷机构的信贷风险,改善了缔约中的信息结构,降低了保险机构的运行成本,提高了农村金融体系的效率。

To scatter the risk including the rural credit through insurance is not only the important way for risking-sharing in rural credit but also the main tendency of rural financial development.Banc-assurance information sharing in rural areas can effectively prevent the adverse selection caused by asymmetric information risk-sharing can solve the problem of moral hazard by tied-up interests and compatible incentive.Based on the analysis of contracting process and performance conditions of ＂Finance ＋ Insurance＂ in Zhangjiajie City this paper draws a conclusion that innovation of banc-assurance contracts shares responsibility for the credit risk of credit institutions improves the information structure during contracting reduces operating costs of the insurance institutions and enhances the efficiency of rural financial system.