基于农业保险保单抵押的家庭农场融资机制创新研究

A Study on Family Farm Financing Mechanism Innovation based on Agricultural Insurance Plan Mortgaging

针对家庭农场与普通农户的实地调研发现,双方在农业经营特征上的区别导致了其在农业信贷需求上的重大差异:家庭农场在农业生产投入方面的信贷需求远远高于普遍农户,其对农业信贷资金需求的金额更大、贷款期限更长,但在缺乏合格抵押担保品的条件下,家庭农场很难从信贷机构获取足够的贷款来支持农业再生产。为解决家庭农场抵押品不足的问题,本文通过机制设计,通过引入农业保险来为家庭农场生长中的农产品提供风险保障,并通过保单抵押的方式将农产品的预期收入转化为可间接抵押的资产,从而保障了家庭农场能够通过购买高保障农业保险的方式来为信贷融资提供抵押担保。

A field research on family farms and ordinary farmers found that their differencesin agriculture operating characteristics led to a significant difference in their demands for agricultural credits. Family farms＇ credit needs for agricultural production inputs was much higher than the general farmers. The former demanded for a larger amount of loans for a longer term. However, in the absence of qualified mortgage collaterals, it was difficult for family farms to obtain sufficient credit from credit institutions to support their agricultural reproduction. To solve this problem, the paper designed a mechanism to provide risk protection for family farms through the introduction of agricultural insurance,and by way of mortgagingthe policy turning expected proceeds from farm produce into indirect mortgage assets. In this way, family farms could provide collaterals for loans through the purchase of high-coverage agricultural insurance plans.