农村小额信贷与农业保险协同发展的研究

发布时间：2018-04-04 22:21

本文选题：农村小额信贷　切入点：农业保险　出处：《安徽财经大学》2014年硕士论文

【摘要】：“三农”问题一直是关乎我国社会稳定和经济发展的重大问题,“三农”问题的解决离不开农村金融的支持,而发展农村金融需要加快推进农村地区的金融产品与服务创新,建立起多层次、广覆盖、适度竞争的农村金融服务体系。信贷与保险的合作作为在我国全国范围内较有影响的金融创新之一,受到了广泛的关注,中央一号文件近年来也多次提到要加强信贷与保险的合作。然而,‘信贷与保险的合作还只是小范围试点地区内的成功,且各地发展不平衡,研究我国现阶段信贷与保险之间是否具有协同关系,能否相互促进,共同发展,对其在全国范围内的推行具有重要意义。同时,小额信贷与农业保险是农村金融的重要组成部分,又是农村地区信贷与保险的重要代表,以小额信贷与农业保险之间的协同关系作为研究对象具有代表性和借鉴意义。本文首先试图分析小额信贷,农业保险各自的现状与发展中存在的问题,初步找出小额信贷与农业保险之间的相关性,提出小额信贷与农业保险协同发展的思想。其次,从现实动因与理论基础角度分析,得出二者的协同发展在我国当前的环境下具有必要性与可行性,并产生协同效应。然后,通过博弈论分析,进一步论证二者的协同发展会产生协同效应,是多赢的选择,并进一步得出促进二者稳定协同发展需要政府,小额信贷机构与保险公司的共同协调。最后,通过对2001—2011年小额信贷与农业保险的数据进行相关与回归分析,得出二者之间具有显著的协同关系,并在这些结论的基础上,提出增加农户需求,深化协同发展以及构建完善法规与政策体系的政策建议以促进二者的协同发展。
[Abstract]:The problem of "agriculture, countryside and farmers" has always been a major problem related to the social stability and economic development of our country. The solution to the problem of "agriculture, countryside and farmers" cannot be separated from the support of rural finance, and the development of rural finance needs to speed up the innovation of financial products and services in rural areas.Establish a multi-level, wide coverage, moderate competition of rural financial services system.As one of the most influential financial innovations in China, the cooperation between credit and insurance has received extensive attention. In recent years, the No. 1 document of the Central Committee also mentioned the need to strengthen the cooperation between credit and insurance.However, the cooperation between credit and insurance is only a success in a small pilot area, and the development of each region is not balanced. This paper studies whether there is a synergistic relationship between credit and insurance in our country at present, whether they can promote each other and develop together.For its implementation in the national scope has important significance.At the same time, microfinance and agricultural insurance is an important part of rural finance, and also an important representative of credit and insurance in rural areas.Firstly, this paper tries to analyze the current situation and problems in the development of microfinance and agricultural insurance, find out the correlation between micro-credit and agricultural insurance, and put forward the idea of cooperative development of micro-credit and agricultural insurance.Secondly, from the point of view of realistic motivation and theoretical basis, it is concluded that the coordinated development of the two is necessary and feasible under the current environment of our country, and the synergetic effect is produced.Then, through the game theory analysis, it further proves that the synergistic development of the two will produce synergistic effect, which is a win-win choice, and further draws the conclusion that the government, microfinance institutions and insurance companies are needed to coordinate the promotion of their stable and coordinated development.Finally, through the correlation and regression analysis of the data of micro-credit and agricultural insurance from 2001 to 2011, it is concluded that there is a significant synergistic relationship between the two, and on the basis of these conclusions, it is proposed to increase the demand of farmers.Deepen the coordinated development and construct the policy suggestion of perfecting the law and policy system in order to promote the synergistic development of the two.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43;F842.66

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