银保深度合作在农村金融中的应用

The Application of Deep Bancassurance in the Rural Finance

农业发展和新农村建设需要强大的信贷资金支持,但农业生产的弱质性、涉农贷款风险较高等因素导致农村信贷资金供给不足。银保深度合作模式能在一定程度上解决农村融资难问题,降低信贷成本,合理规避农村信贷风险,满足当前多元化的农村金融服务需求,实现农村金融机构、借款主体、保险公司和政府多方共赢。

Bancassurance plays a positive role in the finance and economic development. However, we are in the initial stage at present, deep bancassurance and new models are urgently needed. Anti rural finance needs them more urgently. Agricultural development and the New Rural Construction require a strong financial support of the credit, but the weak agricultural production, and agriculture - related high - risk loans and other reasons result in insufficient supply of credit funds in rural areas. The deep bancassurance, an effective solution to the issue of rural financing, can lower credit costs, and reasonably avoid the risk of rural credit to meet the current demand for rural financial services and to achieve the purpose of the win - win - win - win situation between the main borrower, the bank, the insurance companies and the government.