发展融资型保险产品破解农村融资难题

本文从信用不足的角度分析了农村融资难产生的原因,认为涉农信贷的有效风险分担和补偿机制不足,是造成融资难的关键,提出了创新农村信贷保险产品,构建保险与银行之间更紧密合作机制的重要性。并论证了贷款信用保险这一新型融资类保险产品的性质与作用,最后初步提出了探索建立以信贷保险为核心的农村融资体系的思路和相关政策建议。

To Develop Financing Insurance Product and Solve the Difficulty in Rural Area Financing

The paper analyzes the reasons for the difficulty in rural area financing from the angle of credit insufficiency.It maintains that the insufficiency of effective risk sharing and compensation mechanism of farm credit is the key reason for the difficulty in financing.Then it claims the importance of innovation in farm credit insurance product and the cooperation of insurance and bank.The paper demonstrates the nature and function of a new insurance product by the name credit insurance,and explores the financ...