“农业保险+信贷”融资增信模式分析——基于对张家口、蚌埠和奎屯三个典型案例的研究

An Analysis of the Financing and Credit Enhancement Model of “Agricultural Insurance+Credit” Based on Three Typical Cases of Zhangjiakou,Bengbu and Kuitun

农业保险与农村信贷的协同发展能够助力农户解决融资难的问题,但"农业保险+信贷"模式尚缺乏研究。河北张家口、安徽蚌埠和新疆奎屯三地"农业保险+信贷"模式具有典型性,通过对比分析发现,三地模式在灵活性和约束性方面存在差异,张家口模式灵活且优惠政策多,蚌埠模式产品特色性强、效率高且风险较低,新疆模式政府主导性强,适用于农业保险发展落后地区。同时该模式可在参与主体设置、产品创新、制度保障完善等方面进一步改善。

The coordinated development of agricultural insurance and rural credit can help farmers to solve the problem of financing difficulties,however,there is still a lack of research on the model of " agricultural insurance+credit".The"agricultural insurance+credit" model in Zhangjiakou,Anhui Province and Xinjiang is typical.Through comparative analysis,it is found that there are differences in flexibility and binding between the three models.Zhangjiakou model is flexible and has many preferential policies,Bengbu model has strong product characteristics,high efficiency and low risk,and Xinjiang model is dominated by the government,which is suitable for backward agricultural insurance development areas.At the same time,the model can be further improved in the aspects of participation main body setting,product innovation and system guarantee perfection.