基于协同共生的湖北省农业保险与农业信贷合作研究

发布时间：2018-03-30 22:21

本文选题：农业信贷　切入点：农业保险　出处：《华中农业大学》2017年硕士论文

【摘要】：近年来农村经济发展缓慢等问题日趋严重,已经对我国经济稳定增长造成了冲击。作为行业发展催化剂的金融业也必须提升服务水平,增加创新型金融产品以适应市场需求。农业银保合作作为农业金融创新发展的方式之一,受到政府和学者们广泛关注,且2009年在中央一号文件中明确指出要加强农业银保合作。基于湖北省研究农业信贷与农业保险之间是否具有协同共生关系,对完善湖北省农业金融服务体系,推动湖北省农业发展具有重要作用。同时其研究成果对在全国范围内推行农业银保合作也具有一定的参考意义。目前,虽然国内外在农业保险与农业信贷合作发展关系上研究的学者很多,但是研究观点分歧很大。一部分学者认为农业信贷和农业保险合作能提高双方经营效率,促进双方发展。另一部分学者却认为农业保险与农业信贷的关系并不紧密,甚至农业保险和农业信贷合作还会抑制农业信贷的需求。基于上述学者研究观点的不同,笔者参考以前学者的实证研究方法建立了VAR模型并对模型作了优化,通过农业保险密度作为农业保险发展指标,用农业信贷规模和农业信贷结构两个维度衡量农业信贷的发展。对农业信贷融资规模和农业保险密度之间,农业信贷结构与农业保险密度之间进行Granger因果检验,得出两者之间具有因果关系。进而笔者进行脉冲响应分析,探究两者之间相互促进作用的大小随着时间推移的变化趋势。研究结论主要有:(1)湖北省农业信贷供给不足,并出现农业资金外逃现象,其中农村商业银行的农业资金外逃现象最为严重。湖北省信贷机构发展起步晚,规模小且分布不均匀,鄂中东部发展较好,鄂西部发展严重滞后。金融人才流入中大城市的现象随时间推移愈发明显,农村金融人才供给不足。(2)湖北省农业保险的险种覆盖面少且保险规模和覆盖面不大,与全省农业产值不匹配,鄂西地区保费收入低于其他地区。湖北省农业保险经营机构的经营状况不佳,在省内农业保险的保险公司赔付率高,农业保险公司损失严重,并缺乏巨灾风险保障体系分担农业保险公司风险。(3)实证检验得出:(1)农业保险发展不能优化农业信贷结构。(2)农业保险发展可以扩大农业信贷的信贷融资规模。(3)农业信贷结构优化能够促进农业保险发展。(4)农业信贷的信贷融资规模的扩大一定程度上抑制了农业保险的发展。根据上述结论,笔者对湖北省农业信贷与农业保险如何进行深度合作发展提出了五点建议:(1)增加农业保险品种、扩大农业保险覆盖面。(2)提高农业保险补贴力度,提高保障水平。(3)完善农业保险与农业信贷的合作机制。(4)完善农业保险与农业信贷合作发展的相关法律。(5)建立完善的风险分散体系帮助农业保险公司分散风险。
[Abstract]:In recent years, the slow development of rural economy has become more and more serious, which has already caused an impact on the steady economic growth of our country. As a catalyst for the development of the industry, the financial industry must also upgrade its service level. Increasing innovative financial products to meet the needs of the market. As one of the ways of agricultural financial innovation and development, agricultural banking and insurance cooperation has been widely concerned by the government and scholars. In 2009, it was clearly pointed out in the No. 1 document of the Central Committee that the cooperation between agricultural banking and insurance should be strengthened. Based on the research on whether there is a synergistic symbiotic relationship between agricultural credit and agricultural insurance in Hubei Province, it will improve the agricultural financial service system of Hubei Province. Promoting agricultural development in Hubei Province plays an important role. At the same time, its research results also have a certain reference significance for the implementation of agricultural banking and insurance cooperation across the country. Although there are many scholars at home and abroad who study the relationship between agricultural insurance and agricultural credit cooperation, the research views are very different. Some scholars believe that agricultural credit and agricultural insurance cooperation can improve the management efficiency of both sides. Other scholars believe that the relationship between agricultural insurance and agricultural credit is not close, and even agricultural insurance and agricultural credit cooperation can restrain the demand for agricultural credit. Referring to the empirical research methods of previous scholars, the author establishes the VAR model and optimizes the model. The density of agricultural insurance is used as the development index of agricultural insurance. The development of agricultural credit is measured from the scale of agricultural credit and the structure of agricultural credit. The Granger causality test is carried out between the scale of agricultural credit financing and the density of agricultural insurance, and between the structure of agricultural credit and the density of agricultural insurance. It is concluded that there is a causal relationship between the two. Then the author carries out impulse response analysis to explore the changing trend of the mutual promotion between the two over time. The main conclusions of the study are: 1) insufficient supply of agricultural credit in Hubei Province. And the phenomenon of agricultural capital flight appears, among which the rural commercial banks' agricultural capital flight is the most serious. The development of credit institutions in Hubei Province started late, the scale is small and the distribution is uneven, and the central and eastern part of Hubei Province has developed better. The development of western Hubei is seriously lagging behind. The phenomenon of financial talents flowing into large cities becomes more and more obvious with the passage of time. The supply of financial talents in rural areas is insufficient. 2) the coverage of agricultural insurance in Hubei Province is small, and the insurance scale and coverage are not large. The insurance premium income in western Hubei Province is lower than that in other regions. The operating condition of agricultural insurance management institutions in Hubei Province is not good. The insurance companies of agricultural insurance in Hubei province have a high indemnity rate, and the losses of agricultural insurance companies are serious. The empirical test shows that the development of agricultural insurance can not optimize the structure of agricultural credit. 2) the development of agricultural insurance can expand the scale of credit financing of agricultural credit. The optimization of credit structure can promote the development of agricultural insurance. (4) the expansion of credit financing scale of agricultural credit suppresses the development of agricultural insurance to some extent. The author puts forward five suggestions on how to carry out the deep cooperative development of agricultural credit and agricultural insurance in Hubei province) to increase the variety of agricultural insurance, to expand the coverage of agricultural insurance, and to increase the subsidy intensity of agricultural insurance. Improving the level of guarantee. 3) perfecting the cooperative mechanism between agricultural insurance and agricultural credit. 4) perfecting the laws related to the cooperative development of agricultural insurance and agricultural credit. 5) establishing a perfect risk dispersion system to help agricultural insurance companies disperse risks.
【学位授予单位】：华中农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.66;F832.43

【参考文献】