农业保险与农村信贷合作产品研究  

The Research on Agricultural Insurance and Rural Credit Cooperation Product

作　　者：牛浩[1] 陈盛伟[1] 

机构地区：[1]山东农业大学经济管理学院,山东泰安271018

出　　处：《保险研究》2014年第12期32-40,共9页Insurance Studies

基　　金：国家自然基金项目"区域性农业干旱;强风;低温气象指数保险产品设计与应用研究"(编号:71173139)的重要性成果;山东省社会科学规划研究项目"基于交易成本困境的山东省种植业气象指数保险产品选择与构建研究"(编号:10CJGZ52)的重要性成果

摘　　要：农业保险与农村信贷是活跃农村金融市场、保障与拓展农民收入渠道的重要工具,但目前二者都在供需方面存在突出矛盾。本文在分析了现行农业保险和农村信贷产品运行状况的基础上,以农户的"主体适宜性"为前提条件,运用Binary Logistic和Probit回归模型选择合适的农户参与主体,设计"二托一"农业银保产品,并进行相关费用的厘定。通过农户的"主体适宜性"分析可知,"二托一"农业银保产品需要在"农业保险+小额信贷"和"农业保险+非小额信贷"区分的基础上进行,参保农户与信贷农户可以为同一主体,也可为非同一主体。"二托一"农业银保产品具有良好的主体适宜性,可缓解二者单独运行存在的固有缺陷,具有良好的外部协同效应。Agricultural insurance and Rural Credit are important vehicles to activate rural financial market and pro- tect and expand farmers＇ income sources, but there exists a contradiction between supply and demand for these two. By analyzing the operation of current agricultural insurance and rural credit products, this paper designed the ＂Two in One＂ agricultural insurance-credit products whose relative costs were determined by relevant method. Then it put farmers＇ ＂subject suitability＂ as the prerequisite condition and used ＂Binary Logistic＂ and ＂Probit regression mod- el＂ to select suitable farmers as participants to the product. By the analysis of farmers＇ ＂subject suitability＂, we concluded that ＂Two in One＂ agricultural insurance-credit products should be implemented by distinguishing be- tween ＂agricultural insurance plus micro-credit＂ and ＂agricultural insurance plus non-mierocredit＂. The insured farmers and the borrowing farmers could be the same subject or not. ＂Two in One＂ agricultural insurance-credit products has perfect subject sustainability, can alleviate the defects of their independent operation, and create an ex- cellent exterior synergy effect.

关 键 词：农业保险 农村信贷 “二托一”农业银保产品 

分 类 号：F840.69[经济管理—保险]