“农业保险+信贷”模式与农业产业链协同发展赋能乡村振兴战略研究  

Research on the Coordinated Development of "Agricultural Insurance + Credit"Model and the Agricultural Industry Chain to Empowerthe Rural Revitalization Strategy

作　　者：胡芳[1] 何逍遥 曹传碧[1] 陈新建 Hu Fang;He Xiaoyao;Cao Chuanbi;Chen Xinjian

机构地区：[1]广西大学经济学院,广西南宁530004

出　　处：《西南金融》2022年第8期84-96,共13页Southwest Finance

基　　金：国家自然科学基金项目“少数民族地区旅游产业低碳化转型的系统模式与绩效评价研究——以湘黔桂‘侗文化’旅游圈为例”(71861001);国家自然科学基金项目“小农户多样化种植行为的形成机理、福利效应与政策供给”(72063002)的阶段性成果。

摘　　要：发挥“农业保险+信贷”的融资作用,为农业产业链的生态场景注入新的发展动能是促进乡村振兴发展的长效机制。通过分析两种典型的“农业保险+信贷”模式的运作原理,总结“农业保险+信贷”模式与农业产业链协同发展关系,进而构建两者协同发展满足“产业兴旺、生态宜居、乡风文明、治理有效、生活富裕”乡村振兴战略总要求的逻辑。然而,推动“农业保险+信贷”模式与农业产业链协同发展继续服务乡村振兴,仍面临金融发展水平与乡村振兴发展的金融需求不匹配、农业产业链的不稳定性影响乡村振兴的持续发展、农村金融市场和农业产业链的信息不对称影响乡村振兴提质增效等问题。建议通过优化农村金融发展水平、增强农业产业链多主体的互动性、推进农村金融市场和农业产业链的数据共享三方面突破困境。Giving full play to the financing role of"Agricultural Insurance+Credit"and injecting new devel⁃opment momentum into the ecological scene of the agricultural industrial chain is a long-term mechanism to pro⁃mote rural revitalization.By analyzing the operating principles of two typical"Agricultural Insurance+Credit"models,this paper summarizes the coordinated development relationship between the"Agricultural Insurance+Credit"model and the agricultural industrial chain,and then constructs the logic that the coordinated development of the two meets the general requirements of the rural revitalization strategy of"industrial prosperity,ecological liv⁃ability,rural civilization,effective governance,and prosperity".However,promoting the coordinated development of the"Agricultural Insurance+Credit"model and the agricultural industrial chain to serve rural revitalization sustainably,there are still problems such as the mismatch between the level of financial development and the fi⁃nancial needs of rural revitalization and development,the instability of the agricultural industry chain affecting the sustainable development of rural revitalization,and the information asymmetry in the rural financial market and ag⁃ricultural industry chain affecting the quality and efficiency of rural revitalization.It is suggested to break through the predicament by optimizing the development level of rural finance,enhancing the interaction of multiple sub⁃jects in the agricultural industry chain,and promoting the data sharing between the rural financial market and the agricultural industry chain.

关 键 词：乡村振兴 农业产业链 农业保险 农业信贷 农村金融 绿色农业 新型农业经营主体 农业农村现代化 

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