中国新型农业信贷保险扶贫模式研究

Research on New Agriculture Credit Insurance Model in China

"信贷+保险"作为一种新型的金融扶贫手段,有效转移了农户因自然灾害、意外事故等不能如期还贷的违约风险,解决了农户因无担保、无抵押而贷款难的问题,帮助农户扩大经营规模,保障贫困地区的经济增长。目前农业信贷保险模式受到财政资金不足、宣传力度不够、农业信贷保险法律法规不完善等因素制约,应加大财政支持力度、大力宣传农业信贷保险模式、加强监管力度,以促进农业信贷保险在金融扶贫中的作用。

As a new means of financial poverty alleviation, the ＂Credit ＋ Insurance＂ can effectively transfer the farmers＇ risks of missing the repayment due to natural disasters, accidents and other issues. It can also help farmers expand the scale of operation, and ensure the economic growth of poverty- stricken areas. At present, in the process of the implementation of poverty alleviation, the agricultural credit insurance model has the problems such as lack of financial funds, weak publicity, imperfect agricultural credit insurance laws and regulations. In the face of these constraints, we should put forward the corresponding countermeasures, such as increasing financial support, vigorously promoting the model of agricultural credit insurance and strengthening the supervision, so as to promote the role of agricultural credit insurance in financial poverty alleviation.