信贷保险、金融机构信贷供给与农户借贷决策——来自F县草莓种植“信贷+保险”的证据  

Credit Insurance,Financial Institutions' Credit Supply and Farmers' Loan Decision—Evidence from“Credit + Insurance”for Strawberry Growing in F County

作　　者：吴本健[1] 单希[2] 马九杰[1] 

机构地区：[1]中国人民大学农业与农村发展学院,北京100872 [2]中国建设银行江苏省分行信贷审批部,江苏南京210002

出　　处：《保险研究》2013年第8期45-53,共9页Insurance Studies

基　　金：中国人民大学科学研究基金(中央高校基本科研业务费专项资金资助)项目(No.13XNH148)的部分成果;中国人民大学科学研究基金项目(中央高校基本科研业务费)(No.12XNI008)的资助;国家社会科学基金重点项目"面向农村弱势群体的金融组织及服务创新研究"(No.08AJY027)

摘　　要：基于银保互动和前景理论,本文首先分析有信贷保险产品之后信贷保险供求双方发生的变化,得出信贷保险可以在一定程度上增加金融机构的信贷供给意愿,但农户只有在突破保费成本约束和理赔预期约束之后才会选择参与信贷保险、进而选择借贷。其次,选取安徽省F县的草莓种植"信贷+保险"案例进行分析,对上述结论进行进一步验证。最后,给出结论及相关政策建议。Based on the bank-insurer interaction and the prospect theory, this paper firstly analyzed the supply side and demand side changes brought about by the launch of credit insurance product. The conclusion was that credit insurance could increase the financial institutions＇ willingness to increase credit supply to some extent. However, farmer＇s participating in credit insurance had two constraints, namely insurance cost constraint and expected claim constraint. They would choose to participate in credit insurance, and then apply for bank loans only when they broke away from these two constraints. The paper analyzed the case of strawberry credit insurance in county F, Anhui province to further validate the conclusions. Finally, some policy recommendations were put forward.

关 键 词：信贷保险 信贷供给 农户借贷决策 合作社 

分 类 号：F842.6[经济管理—保险] F327