Study On The Symbiosis Model Between The Banks And Insurances In Gansu Villages

A high quality financial service in rural areas is the basis of the rural economy development continuously and healthy. As two main parts in the county finance service system, the symbiotic pattern between the rural credit institutions and insurance companies exert directly effect on the allocation and use efficiency of county finance resource.However, both natural inferiority which agricultural production has and accident risk of harm which the main labor force of rural families filling make the agriculture-related loans to rural financial institutions face greater risk, affecting the credit institutions active in rural financial markets.Lead insurance into the symbiotic system in which banks and insurances will mutual development not only encouraging insurance companies to expand the rural insurance market and promoting sales of agriculture-related insurance products, while also to reduce risk of credit institutions by cooperating with two parts, and finally to Realize their mutual benefit and common development.This full paper is divided into five parts. The first part described the research background and significance, reviewed and researched ideas; The second part overviewed the theories that were related to symbiotic development of agriculture-related banks and insurances; the third part analyzed development situation and the difficulties faced by the credit and insurance in Gansu rural, and illustrated the necessity and feasibility for building the of the Gansu agriculture-related the agriculture-related and then symbiotic development model between banks and insurances in Gansu. The fourth part given the definition of between agriculture-related bank and insurance and main responsibilities of the parties involved, then pointed out how implement the combined with the level of economic rural finance development in Gansu rural areas. The fifth part proposed the protection of carry out the symbiosis development model between banks and insurances from expansion symbiotic coexistence and improve external environment.