本文選題：農(nóng)村小額信貸　切入點：農(nóng)業(yè)保險　出處：《安徽財經(jīng)大學(xué)》2014年碩士論文

【摘要】：“三農(nóng)”問題一直是關(guān)乎我國社會穩(wěn)定和經(jīng)濟(jì)發(fā)展的重大問題,“三農(nóng)”問題的解決離不開農(nóng)村金融的支持,而發(fā)展農(nóng)村金融需要加快推進(jìn)農(nóng)村地區(qū)的金融產(chǎn)品與服務(wù)創(chuàng)新,建立起多層次、廣覆蓋、適度競爭的農(nóng)村金融服務(wù)體系。信貸與保險的合作作為在我國全國范圍內(nèi)較有影響的金融創(chuàng)新之一,受到了廣泛的關(guān)注,中央一號文件近年來也多次提到要加強(qiáng)信貸與保險的合作。然而,‘信貸與保險的合作還只是小范圍試點地區(qū)內(nèi)的成功,且各地發(fā)展不平衡,研究我國現(xiàn)階段信貸與保險之間是否具有協(xié)同關(guān)系,能否相互促進(jìn),共同發(fā)展,對其在全國范圍內(nèi)的推行具有重要意義。同時,小額信貸與農(nóng)業(yè)保險是農(nóng)村金融的重要組成部分,又是農(nóng)村地區(qū)信貸與保險的重要代表,以小額信貸與農(nóng)業(yè)保險之間的協(xié)同關(guān)系作為研究對象具有代表性和借鑒意義。 本文首先試圖分析小額信貸,農(nóng)業(yè)保險各自的現(xiàn)狀與發(fā)展中存在的問題,初步找出小額信貸與農(nóng)業(yè)保險之間的相關(guān)性,提出小額信貸與農(nóng)業(yè)保險協(xié)同發(fā)展的思想。其次,從現(xiàn)實動因與理論基礎(chǔ)角度分析,得出二者的協(xié)同發(fā)展在我國當(dāng)前的環(huán)境下具有必要性與可行性,并產(chǎn)生協(xié)同效應(yīng)。然后,通過博弈論分析,進(jìn)一步論證二者的協(xié)同發(fā)展會產(chǎn)生協(xié)同效應(yīng),是多贏的選擇,并進(jìn)一步得出促進(jìn)二者穩(wěn)定協(xié)同發(fā)展需要政府,小額信貸機(jī)構(gòu)與保險公司的共同協(xié)調(diào)。最后,通過對2001—2011年小額信貸與農(nóng)業(yè)保險的數(shù)據(jù)進(jìn)行相關(guān)與回歸分析,得出二者之間具有顯著的協(xié)同關(guān)系,并在這些結(jié)論的基礎(chǔ)上,提出增加農(nóng)戶需求,深化協(xié)同發(fā)展以及構(gòu)建完善法規(guī)與政策體系的政策建議以促進(jìn)二者的協(xié)同發(fā)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.
【學(xué)位授予單位】：安徽財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.43;F842.66

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 林熙;林義;;印度農(nóng)村小額保險發(fā)展經(jīng)驗及啟示[J];保險研究;2008年02期

2 杜曉山,孫若梅;中國小額信貸的實踐和政策思考[J];財貿(mào)經(jīng)濟(jì);2000年07期

3 趙巖青;何廣文;;聲譽(yù)機(jī)制、信任機(jī)制與小額信貸[J];金融論壇;2008年01期

4 郭長浩;;對建立小額信貸與農(nóng)業(yè)保險聯(lián)動機(jī)制的探索[J];改革與開放;2010年18期

5 梁春燕;;農(nóng)業(yè)保險與農(nóng)村信貸供求的“帕累托改進(jìn)”[J];產(chǎn)權(quán)導(dǎo)刊;2010年04期

6 夏榮靜;;關(guān)于我國農(nóng)村小額信貸發(fā)展的研究綜述[J];經(jīng)濟(jì)研究參考;2011年12期

7 張青枝;;透視農(nóng)村“小額信貸+小額保險”模式[J];經(jīng)濟(jì)導(dǎo)刊;2009年10期

8 黃伯勇;;對農(nóng)村信用社小額信貸可持續(xù)發(fā)展問題的探討[J];經(jīng)濟(jì)體制改革;2008年02期

9 李喜梅;;小額信貸與小額保險合作發(fā)展研究[J];經(jīng)濟(jì)問題;2010年05期

10 許立新;段愛明;;農(nóng)業(yè)保險與農(nóng)村信貸互動機(jī)制的實踐及發(fā)展對策——以張家界為例[J];金融經(jīng)濟(jì);2010年10期

，

本文編號：1711958