云南农村小额信贷保险研究

发布时间：2018-06-01 05:56

本文选题：小额信贷 + 小额信贷保险　；参考：《中南林业科技大学》2013年硕士论文

【摘要】：小额信用贷款是一种小规模的金融服务方式,它以城乡低收入阶层为服务对象。小额信用贷款主要通过金融服务的方式,为农村低收入群众以及小规模企业提供自主就业和自主发展的机会,并且通过这种方式,促进它们走向自主生存和发展。小额信用贷款是一种金融服务方式的创新,同时也是一种扶贫的重要手段。小额信贷保险是保险公司在银行向农户发放小额贷款时专为贷款农户提供的意外伤害或定期人身保险,一般涵盖意外伤害身故或疾病身故责任。作为一个新兴的农村金融品类,小额信贷保险是“银行保险化,保险银行化”趋势的典型代表,是保险公司大举进入农村保险市场的桥头堡。现阶段小额保险还有从农村走向城市的发展趋势。我们国家改革的历程首先从农村起步、率先在农村突破,而改革开放又推动农村发生翻天覆地的巨变。当前,我国经济的发展正处于转型阶段,农村经济发展关系到改革的成败,而农村发展的核心问题在于生产效率和分配公平的协调,小额信贷可以同时达到这两个目的。发展农村小额信贷保险是突破小额信贷瓶颈的一项重要措施。在广阔的云南农村金融市场,小额信贷是一种新兴的金融服务形势,小额信贷保险的出现无疑为银行规避发放贷款风险,也为农户从事农业生产工作起到了非常重要的保障作用。本文从小额信用贷款,云南小额信贷保险的类型、特征、业务模式和当前存在的问题等几个方面进行调查研究,通过典型调查和抽样调查相结合的调查统计方式进行数据分析,进而切合实际的对云南小额信贷保险发展提出相应的对策和建议。
[Abstract]:Small-scale credit loan is a small-scale financial service, which is aimed at urban and rural low-income class. The micro-credit loan mainly through the way of the financial service, provides the independent employment and the independent development opportunity for the rural low income masses and the small scale enterprise, and through this way, promotes them to own existence and the development. Small credit loan is an innovation of financial service and an important means of poverty alleviation. Microcredit insurance is the accident injury or term life insurance that the insurance company provides specially for the loan farmer when the bank issues the small loan to the farmer, generally covers the accidental injury death or the illness death responsibility. As a new type of rural finance, micro-credit insurance is a typical representative of the trend of "bancassurance, insurance banking" and a bridgehead for insurance companies to enter the rural insurance market on a large scale. At the present stage, there is also a trend of development from rural areas to cities. The course of the reform of our country starts from the countryside, first breaks through in the countryside, and the reform and opening up promotes the rural area to take place the earth-shaking change. At present, the economic development of our country is in the transition stage, the development of the rural economy is related to the success or failure of the reform, and the core problem of the rural development lies in the coordination of the production efficiency and the fair distribution, which can be achieved by the micro-credit at the same time. Developing rural micro-credit insurance is an important measure to break through the bottleneck of micro-credit. In the vast rural financial market of Yunnan, microfinance is a new situation of financial services. The emergence of micro-credit insurance undoubtedly provides a way for banks to avoid the risk of issuing loans. Also engaged in agricultural production for farmers to play a very important role in ensuring. This paper investigates and studies the types, characteristics, business models and current problems of micro-credit loans, Yunnan micro-credit insurance, and makes data analysis through the combination of typical surveys and sample surveys. And then put forward corresponding countermeasures and suggestions to the development of Yunnan micro-credit insurance.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43;F842.6

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