上海金融
上海金融
상해금융
Shanghai Finance
2011年
2期
114~116
,共null页
“三农”问题 农村融资 保险创新
“三農”問題 農村融資 保險創新
“삼농”문제 농촌융자 보험창신
Three-dimensional Rural Issues; Rural Area Financing; Insurance Innovation
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。
本文從信用不足的角度分析瞭農村融資難產生的原因,認為涉農信貸的有效風險分擔和補償機製不足,是造成融資難的關鍵,提齣瞭創新農村信貸保險產品,構建保險與銀行之間更緊密閤作機製的重要性。併論證瞭貸款信用保險這一新型融資類保險產品的性質與作用,最後初步提齣瞭探索建立以信貸保險為覈心的農村融資體繫的思路和相關政策建議。
본문종신용불족적각도분석료농촌융자난산생적원인,인위섭농신대적유효풍험분담화보상궤제불족,시조성융자난적관건,제출료창신농촌신대보험산품,구건보험여은행지간경긴밀합작궤제적중요성。병론증료대관신용보험저일신형융자류보험산품적성질여작용,최후초보제출료탐색건립이신대보험위핵심적농촌융자체계적사로화상관정책건의。
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 financing system in rural area, which centers on credit insurance.
