依托精准扶贫建立涉农信贷与涉农保险互动机制的对策  

The Interactive Mechanism Countermeasures of Agricultural Credit and Agricultural Insurance Based on the Precise Poverty Alleviation

作　　者：刘永刚[1] 季秀杰[1] 张铭朔 

机构地区：[1]哈尔滨金融学院,黑龙江哈尔滨150030 [2]四川大学,四川成都610044

出　　处：《商业经济》2017年第5期12-13,30,共3页Business & Economy

基　　金：2015年哈尔滨金融学院院级重点项目:黑龙江省建立涉农信贷与涉农保险互动机制研究(E012015005)

摘　　要：当前,黑龙江省涉农信贷与涉农保险业务存在的问题是:农村金融市场不完善,银保合作有待深入;农村融资结构不平衡,融资平台建设滞后;政府财政支持力度不够,优惠政策有待强化;农业保险覆盖面低,涉农保险产品单一;风险与收益分配机制不合理,参与主体积极性有待提高。扶贫需要大量涉农资金的支持,保险业作为风险管理的工具又具有天然的优势地位。保险业可以与涉农信贷业务积极互动,从农业保险、健康保险、民生保险和支农融资等方面充分发挥作用,实现精准扶贫。The problems of agricultural credit and agricultural insurance business in Heilongjiang province now are the imperfect rural financial market and bank-insurance cooperation, imbalanced rural financing structure and laggard financing platform construction, insufficient financial support and preferential policy, low coverage of agricultural insurance and single products, unreasonable benefits and risks allocation mechanism and low participation enthusiasm. Poverty alleviation needs a large number of funds support. As a tool of risk management, insurance industry has a natural advantage. Insurance can interact with agricultural credit business actively, and give full play to the role of agricultural insurance, health insurance, people＇s livelihood insurance and financing, so as to achieve the precise poverty alleviation.

关 键 词：精准扶贫 涉农信贷 涉农保险 

分 类 号：F830.66[经济管理—金融学]