我国农村金融“三难”困局与“农业贷款保险”展业研究  

China's Rural Financial “Three Difficulties” Dilemma and “Agricultural Loan Insurance” Development Suggestion

作　　者：韩红[1] 

机构地区：[1]河南科技大学管理学院,河南洛阳471003

出　　处：《区域金融研究》2014年第8期11-14,共4页Journal of Regional Financial Research

基　　金：国家社科基金<我国农业巨灾风险分散机制研究>(12BGL076)

摘　　要：长期以来,中国农户贷款难、农业贷款机构贷款保证难和农业保险发展难的"三难"困境的现实,需要对农村金融理论和实践进行积极的探索。从农业贷款保险出发,从中找到一种比较有效地的解决"三难"困境的方法和途径,可以积极推动农村金融体系的完善,鉴于此,对农业贷款保险——保险业正在拓展的一个新领域,提出合理化的发展建议。For a long time, there are the＂three loan difficulty, agricultural lending institutions＇ loan difficulties＂ dilemma reality of China＇ s farmers and agricultural guarantee difficulty and the development difficulty of agricultural insurance, so it is necessary to explore actively to rural financial theory and practice. Starting from agricultural loan insurance, finding more effective methods and ways to solve the ＂three difficulties＇dilemma , can promote the improvement of the rural financial system. In view of this, the article puts forward rational suggestions for agricultural loan insurance which is a new developing field in the insurance industry.

关 键 词：农村金融 农业贷款保险 展业建议 

分 类 号：F830.58[经济管理—金融学]