本文選題：農(nóng)業(yè)信貸　切入點(diǎn)：農(nóng)業(yè)保險(xiǎn)　出處：《華中農(nóng)業(yè)大學(xué)》2017年碩士論文

【摘要】：近年來(lái)農(nóng)村經(jīng)濟(jì)發(fā)展緩慢等問(wèn)題日趨嚴(yán)重,已經(jīng)對(duì)我國(guó)經(jīng)濟(jì)穩(wěn)定增長(zhǎng)造成了沖擊。作為行業(yè)發(fā)展催化劑的金融業(yè)也必須提升服務(wù)水平,增加創(chuàng)新型金融產(chǎn)品以適應(yīng)市場(chǎng)需求。農(nóng)業(yè)銀保合作作為農(nóng)業(yè)金融創(chuàng)新發(fā)展的方式之一,受到政府和學(xué)者們廣泛關(guān)注,且2009年在中央一號(hào)文件中明確指出要加強(qiáng)農(nóng)業(yè)銀保合作。基于湖北省研究農(nóng)業(yè)信貸與農(nóng)業(yè)保險(xiǎn)之間是否具有協(xié)同共生關(guān)系,對(duì)完善湖北省農(nóng)業(yè)金融服務(wù)體系,推動(dòng)湖北省農(nóng)業(yè)發(fā)展具有重要作用。同時(shí)其研究成果對(duì)在全國(guó)范圍內(nèi)推行農(nóng)業(yè)銀保合作也具有一定的參考意義。目前,雖然國(guó)內(nèi)外在農(nóng)業(yè)保險(xiǎn)與農(nóng)業(yè)信貸合作發(fā)展關(guān)系上研究的學(xué)者很多,但是研究觀點(diǎn)分歧很大。一部分學(xué)者認(rèn)為農(nóng)業(yè)信貸和農(nóng)業(yè)保險(xiǎn)合作能提高雙方經(jīng)營(yíng)效率,促進(jìn)雙方發(fā)展。另一部分學(xué)者卻認(rèn)為農(nóng)業(yè)保險(xiǎn)與農(nóng)業(yè)信貸的關(guān)系并不緊密,甚至農(nóng)業(yè)保險(xiǎn)和農(nóng)業(yè)信貸合作還會(huì)抑制農(nóng)業(yè)信貸的需求�；谏鲜鰧W(xué)者研究觀點(diǎn)的不同,筆者參考以前學(xué)者的實(shí)證研究方法建立了VAR模型并對(duì)模型作了優(yōu)化,通過(guò)農(nóng)業(yè)保險(xiǎn)密度作為農(nóng)業(yè)保險(xiǎn)發(fā)展指標(biāo),用農(nóng)業(yè)信貸規(guī)模和農(nóng)業(yè)信貸結(jié)構(gòu)兩個(gè)維度衡量農(nóng)業(yè)信貸的發(fā)展。對(duì)農(nóng)業(yè)信貸融資規(guī)模和農(nóng)業(yè)保險(xiǎn)密度之間,農(nóng)業(yè)信貸結(jié)構(gòu)與農(nóng)業(yè)保險(xiǎn)密度之間進(jìn)行Granger因果檢驗(yàn),得出兩者之間具有因果關(guān)系。進(jìn)而筆者進(jìn)行脈沖響應(yīng)分析,探究?jī)烧咧g相互促進(jìn)作用的大小隨著時(shí)間推移的變化趨勢(shì)。研究結(jié)論主要有:(1)湖北省農(nóng)業(yè)信貸供給不足,并出現(xiàn)農(nóng)業(yè)資金外逃現(xiàn)象,其中農(nóng)村商業(yè)銀行的農(nóng)業(yè)資金外逃現(xiàn)象最為嚴(yán)重。湖北省信貸機(jī)構(gòu)發(fā)展起步晚,規(guī)模小且分布不均勻,鄂中東部發(fā)展較好,鄂西部發(fā)展嚴(yán)重滯后。金融人才流入中大城市的現(xiàn)象隨時(shí)間推移愈發(fā)明顯,農(nóng)村金融人才供給不足。(2)湖北省農(nóng)業(yè)保險(xiǎn)的險(xiǎn)種覆蓋面少且保險(xiǎn)規(guī)模和覆蓋面不大,與全省農(nóng)業(yè)產(chǎn)值不匹配,鄂西地區(qū)保費(fèi)收入低于其他地區(qū)。湖北省農(nóng)業(yè)保險(xiǎn)經(jīng)營(yíng)機(jī)構(gòu)的經(jīng)營(yíng)狀況不佳,在省內(nèi)農(nóng)業(yè)保險(xiǎn)的保險(xiǎn)公司賠付率高,農(nóng)業(yè)保險(xiǎn)公司損失嚴(yán)重,并缺乏巨災(zāi)風(fēng)險(xiǎn)保障體系分擔(dān)農(nóng)業(yè)保險(xiǎn)公司風(fēng)險(xiǎn)。(3)實(shí)證檢驗(yàn)得出:(1)農(nóng)業(yè)保險(xiǎn)發(fā)展不能優(yōu)化農(nóng)業(yè)信貸結(jié)構(gòu)。(2)農(nóng)業(yè)保險(xiǎn)發(fā)展可以擴(kuò)大農(nóng)業(yè)信貸的信貸融資規(guī)模。(3)農(nóng)業(yè)信貸結(jié)構(gòu)優(yōu)化能夠促進(jìn)農(nóng)業(yè)保險(xiǎn)發(fā)展。(4)農(nóng)業(yè)信貸的信貸融資規(guī)模的擴(kuò)大一定程度上抑制了農(nóng)業(yè)保險(xiǎn)的發(fā)展。根據(jù)上述結(jié)論,筆者對(duì)湖北省農(nóng)業(yè)信貸與農(nóng)業(yè)保險(xiǎn)如何進(jìn)行深度合作發(fā)展提出了五點(diǎn)建議:(1)增加農(nóng)業(yè)保險(xiǎn)品種、擴(kuò)大農(nóng)業(yè)保險(xiǎn)覆蓋面。(2)提高農(nóng)業(yè)保險(xiǎn)補(bǔ)貼力度,提高保障水平。(3)完善農(nóng)業(yè)保險(xiǎn)與農(nóng)業(yè)信貸的合作機(jī)制。(4)完善農(nóng)業(yè)保險(xiǎn)與農(nóng)業(yè)信貸合作發(fā)展的相關(guān)法律。(5)建立完善的風(fēng)險(xiǎn)分散體系幫助農(nóng)業(yè)保險(xiǎn)公司分散風(fēng)險(xiǎn)。
[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.
【學(xué)位授予單位】：華中農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F842.66;F832.43

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本文編號(hào)：1687921