微型金融在农业旱灾风险管理中的创新

On Innovation of Micro-Finance in Drought Risk Management in Agriculture

农村微型金融已经越来越多地运用于农业旱灾的风险管理,有效地加强了农户应对旱灾风险的能力,对农户适应环境,免受灾害的侵袭起着非常重要的作用。本文从农村微型金融机构的组织与管理创新、信息技术创新、产品创新、供给主体创新及环境创新五个方面阐述了创新微型金融,探讨了农业旱灾风险管理的可持续发展路径。

The paper introduces the action mechanism of rural microfinance in agricuhural drought risk management from three stages, the predisaster, mid-disaster and post-disaster, respectively. The paper expounds the five innovations of rural microfinance institutions： organization and management, information technology, products, supplier and enviromnent. The pathway to realize the sustainable development of agricultural drought risk management is emphasized.