Research On The Collaborative Relationship Between Agricultural Insurance And Agricultural Credit In China

Agricultural production and management process, the production activities in the face of various uncertain risks, but also by a shortage of productive resources constraints, this determines the agricultural insurance and agricultural credit for the smooth development of agricultural activities have a positive effect. Agricultural insurance and credit both with the development of agriculture, can take advantage of the characteristics of the development of each of the parties, two promote each other, complement each other and work together to promote sustainable and stable development of rural finance. From 2004 to 2016, China’s central file is 13 consecutive annual "agricultural" file, the file on agricultural insurance and agricultural credit were clearly the direction of development. Collaborative research topic of this paper is research on collaborative relationship between agricultural insurance and agricultural credit, in the development of China’s rural financial market system, agricultural credit and agricultural insurance are undertaking important development mission, to the orderly development of China’s rural financial market, collaborative research is necessary. Thus, the only real difference between agricultural insurance and agricultural credit cooperative development in rural finance development role, this has important theoretical significance for modern agricultural production and farmers’ livelihood, promote development of rural finance.To carry out agricultural insurance is essential for financial institutions to establish and improve the rural financial system and improve the rural credit environment. Agricultural insurance to improve the ability to resist risks during agricultural production and farmers, and improve farmers’ ability to repay debt. Farmers have the capital base to ensure that the level of income, when there is demand for loans for agricultural production easier access to credit support of financial institutions, increasing the farmers’ demand for rural financial products, to ensure stable and sustainable development of agricultural production. In this paper, based on development of agricultural insurance and agricultural credit at different times, the relationship between them describe the development process, the collaborative relationship between the two preliminary judgment were analyzed four typical demonstration of agricultural insurance and credit both agricultural regions complement each other’s development experience, for China’s agricultural insurance and agricultural credit cooperative development between the country’s promotion laid a foundation.Based on the literature review and summary on the basis of existing models to China’s agricultural insurance and rural finance development in the 28-year data, using the reasonable comprehensive Eviews indicator, to do the development of China’s rural credit insurance and agricultural relations empirical research. The results showed that the developmen t of rural credit to some extent, can promote the development of agricultural insurance, but do not promote the development of agricultural insurance development of rural credit; the cooperative relationship between the two is not obvious. The article concludes with policy recommendations based on the relevant theory and empirical analysis, to serve China’s modern agriculture and rural finance development. Finally, based on the relevant theory and empirical results from four aspects: According to local conditions to promote the experience of successful models; Rich rural financial market products; Improve the rural credit system construction; Agricultural credit guarantee insurance innovation development. Make relevant suggestions to serve China’s modern agriculture and rural finance development.