农业信贷与保险互联影响农户风险配给实证研究——基于江苏、湖北两省的调研数据  

An Empirical Study on Inter-linked Agricultural Credit and Insurance′s Impact on Farmers′ Risk Rationing: Based on the Survey Data from Jiangsu & Hubei Provinces

作　　者：张建军[1] 张兵[1] 

机构地区：[1]南京农业大学经济管理学院,江苏南京210095

出　　处：《南京农业大学学报（社会科学版）》2012年第4期77-84,共8页Journal of Nanjing Agricultural University(Social Sciences Edition)

基　　金：国家社会科学基金重大招标项目(11&ZD010);教育部人文社会科学研究规划基金项目(11YJA790203);南京农业大学基本科研业务费专项基金项目(Y0201100270)

摘　　要：改善农户信贷配给、提高农户信贷获得性是农村金融改革的目标。首先阐述农业信贷与保险互联这种金融创新的国内外经验,其次构建了抵押品替代与个体声誉信号传递博弈分析框架,采用江苏、湖北两省的农户调研数据,实证检验了"农业信贷+人身意外险+政策性再保险+财政保费补贴"的信贷与保险互联模式,结果表明:其能够有效改善农户风险配给,提高农户获得信贷的概率。Improving farmers′credit rationing and increasing farmers credit availability is the goal of deepening the reform of rural financial markets.This paper,firstly,described the financial innovation：The inter-linked agricultural credit and insurance′s domestic and international experience,followed up with building an analytic framework of collateral substitution and individual reputation signaling game.With the rural household survey data from Jiangsu and Hubei provinces,we proceeded with the empirical test of the mode ＂agricultural credit＋personal accident insurance＋reinsurance policy＋financial subsidies＂,and the results showed that：The inter-linked agricultural credit and insurance had their ability to effectively improve the farmers risk rationing which leads to increasing the probability of farmers′ credit availability.

关 键 词：信贷与保险互联 抵押品替代 风险配给 

分 类 号：F830.58[经济管理—金融学]