农村小额保险与小额信贷结合发展及其模式探讨

小额保险是一种新型保险项目,它以低廉的保费为中低收入人群提供能够保障基本生活的保险产品,具有商业性和社会公益性的双重特征,被认为是一项重要的扶贫措施。农村小额信贷在支持三农发展、帮助农村低收入群体脱贫方面起到不可替代的作用。本文分析了小额信贷机构在经营中面临的信贷风险,在对比国际经验的基础上指出农村小额信贷与小额保险相结合的发展模式,是我国发展农村金融可资借鉴的一种良好模式。文中分析指出了农村小额信贷与农村小额保险相结合的必要性与紧迫性,并提出发展农村小额信贷与农村小额保险的政策建议。

Discussion on the Development Pattern of Combining Rural Small-sized Insurance with Small-sized Credit

Small-sized insurance is a new type of insurance,providing insurance products for the middle-and-lower income people.It is regarded as an important measure of helping the poor.In this paper,I make an analysis on the credit risk that small-sized credit institution face with in operation,and on the basis of comparing to the international experience,points out that the development pattern combining rural small-sized credit with insurance is a sound pattern can be provided for us to develop rural finance.in thi...