The Discussion Of A Business Type That Microfinance Combined With Micro-insurance In China

Our country is a big agricultural country, more than seventy percent population are rural population. Rural, agriculture and farmer "3fanning" problem is the problem that our country remains to be settled at present, only solved the "3farming" problem, Chinese economy long-term stable development can be guaranteed, China formed within the need to pull the economy mode just has solid base.Since2005, the central government in8consecutive central documents repeatedly stressed that "3farming" problem. Which highlighted:improve the quality and level of rural financial services; strengthen fiscal policy and financial policy effectively, guide more credit funds,"3farming", cogent solve problem of countryside financing; vigorously promote the construction of rural credit system, perfect farmer credit evaluation mechanism; continued development of microfinance business, enlarges to grow large family, farmer professional cooperatives, county miniature enterprise credit; Agricultural Bank, rural credit cooperatives, postal savings banks and other banking financial institutions should further increase agricultural credit; actively promote micro-credit loans in rural areas; accelerate the development of village banks, loan companies, rural fund cooperatives, and orderly development of micro-credit organizations, guiding the society capital investment in the establishment to suit "3farming" need of new types of financial organizations; the development of Rural Micro insurance. Perfect agricultural insurance system, the establishment of financial support for agricultural catastrophe risks dispersive mechanism; the rural characteristics, innovation of financial products and services, improve the rural credit environment construction, strengthen and improve the rural financial supervision. From the continuous release of the first file can be seen, the central government attaches great importance to rural microcredit and microfinance insurance development.Microfinance and micro-insurance are important parts of rural financial system. This article from the microfinance and micro-insurance definition and features, based on microfinance and micro-insurance present situation and the existence question analysis, draw microfinance bundle micro-insurance this business model the necessity, feasibility and practical significance. In loans to small bundles of petty insurance business model has a pilot run of binding were summarized, summary, on the basis of the analysis, proposes the related countermeasure and exploratory development train of thought, to further improve China’s microfinance bundle micro-insurance business model construction.