保险市场与农村信贷市场的对接模式研究  

On the Jointing Mode Between Insurance Market and Rural Credit Market

作　　者：周健[1] 

机构地区：[1]广州民航职业技术学院经管系,广东广州510060

出　　处：《改革与战略》2009年第5期79-82,共4页Reformation & Strategy

摘　　要：当前,绝大多数农村信贷风险都是由借款人来承担。针对这一现象,文章指出,引入保险机制,对完善农村信贷市场,建立健全农村金融服务体系,促进农民增收具有重要的战略意义。结合国际经验,文章探析了保险市场与农村信贷市场的可能对接路径:跨市场的机构合作,跨市场的产品和资金对接以及单一市场的机构业务创新。最后提出了完善农村金融市场体系的建议。Most credit risks in rural financial market were undertaken by borrowers currently, which was unreasonable in economics. Based on this real phenomenon, this paper introduce the insurance mechanism into rural credit market, which is undoubtedly significant for improving China＇s rural financial market and building up a robust financial service system. This paper also makes a tentative analysis on the potential jointing mode between insurance market and rural credit market： inter-market cooperation, inter-market products and capital jointing and signal market business innovation. In the end, the constructive suggestions for rural financial market are put forward.

关 键 词：小额信贷保险 风险分担机制 合作代理 对接模式 

分 类 号：F840.682[经济管理—保险]