北京市涉农小额信贷保证保险费率测算

Measurement on the Premium Rate of Agriculture-related Micro-credit Guarantee Insurance in Beijing

涉农小额信贷保证保险制度在一定程度上能够解决广大农民、种养大户、涉农中小企业及相关合作组织贷款难的问题,而涉农小额信贷保证保险费率的测算则是涉农小额信贷保证保险制度实施阶段的一个最主要的技术瓶颈。本文在信用风险度量术的基础上,利用尹成远教授开发的中小企业保证保险定价机制的费率厘定模型,根据北京市涉农小额信贷业务的相关数据对基于信用风险度量术的保证保险费率厘定模型进行了实证分析,得出了较为合理的北京市涉农小额信贷保证保险费率。同时,对北京市实施涉农小额信贷保证保险提出了两个建议方案。

Agriculture-related micro-credit guarantee insurance system is able to resolve the lack of access to loans for the majority of farmers, large planting and breeding farms, agriculture-related small and medium enterprises and related cooperation organizations to some extent. But setting the premium rate for agriculture-related micro-credit guarantee is the crucial bottleneck during the implementation phase of the micro-credit guarantee insurance system. Based on the credit risk measurement model, and the ratemaking model for the SME guarantee insurance pricing mechanism developed by professor Yin Cheng-yuan, the paper conducted an empirical study of the guarantee insurance ratemaking model based on the credit risk measurement technique, taking into account the agriculture-related micro-credit data in Beijing. It arrived at a reasonable premium rate for agriculture-related micro-credit guarantee insurance in Beijing. It also put forward two implementation proposals for agriculture-related micro-credit guarantee insurance in Beijing.