Rural Credit And Insurance Coordinated Development Research

Agriculture is the basic industry of our country, supporting the development of the national economy, but facilities in rural areas and simple production technology is low, frequent natural disasters, difficulties in agricultural production. Rural credit is the support of the powerful means, but the weakness of agriculture catastrophe in repayment of farmers disorder, credit institutions supporting agriculture enthusiasm is not strong. Rural insurance is in rural financial system in China lags behind the industry. By rural geographical condition affecting the business to carry out cost is very high degree of difficulty is very great. In recent years, the central emphasis on deepen the reform of rural financial system, promote the innovation of rural financial products and integration, the combination of rural credit and agricultural insurance is financial product innovation integration, on the development of the rural financial system of China has great role in promoting.Research process paper consists of eight chapters, the main idea frame as follows: The first chapter is the introduction of this paper introduces the research background of domestic and foreign credit and insurance Rural Situation and herein, significance and innovation; the second chapter rural credit combined with theoretical basis and insurance combined, rural credit and insurance, credit innovation theory comply with the requirements of rural areas, but also to meet the requirements of rural insurance theory, in addition, a combination of both is an effective means to reduce credit risk, meet rural credit risk management requirements Theory. The third chapter is the mechanism of rural credit and insurance combined, combined credit and insurance nature of the product features are integrated with each other, and both from the macro action will not only help improve the rural credit environment is also conducive to improving the rural insurance market, At the same time the entire financial system and rural social security system also has a great role in promoting; market foundations, rural credit and insurance with the same product coverage and audience, and two similar transaction costs and external constraints; microscopic pathways aspects, insurance preferential credit market risk can be configured to improve the rural credit environment, the credit can effectively optimize the structure of the insurance market information, lower transaction costs and enhance market performance. The fourth chapter is home to rural credit and insurance the status quo analysis, this chapter mainly with the status of domestic Guangdong, Henan, Shandong and other places, foreign Bangladesh, the Philippines, Japan and other places of research and analysis, combined with the successful experience of the country in line with our design possible conditions of the product. The fifth chapter is empirical analysis of 21 years through agricultural insurance and agricultural credit income empirical data analysis and the results did not show the presence of both long-term and stable co-integration relationship. Chapter six rural credit and insurance constraints binding, credit and insurance is no reason why the formation of long-term and stable relations, mainly due to lack of demand product publicity is not in place, credit insurance agency cooperation and not in-depth support government laws and regulations are not in place caused. Chapter VII is to promote the rural credit and insurance combined proposal, mainly make recommendations for the sixth chapter of constraints, promote the industrialization of agriculture, strengthen product promotion, promotion of bilateral cooperation, legal regulations and policies of government support also It should be further strengthened to improve. Chapter VIII is the conclusion of this article briefly summarizes finishing.