Research On The Model Of “Commercial Bank+Insurance+Futures” Under The Background Of Combination Of Industry And Finance

In recent years,Chinese government keeps deepening and pushing forward supply-side structural reform,providing an excellent developmental environment for the creation of industrial financing in the real economy.While gaining stable development,Chinese financial market is actively researching,developing and pushing forward the landing of new business modes,so as to better serve the real economy.When it comes to Chinese agriculture,as the basic part of the real economic system,issues such as how to solve the sufficiency of capital in production and sales links and how to realize sustainable development can’t be ignored,and are affairs of the state related to the livelihood of people.In2015,Dalian Community Exchange led in promoting the first innovative business combining “insurance and futures” in China with insurance companies and futures companies.Taking this as the starting point,various transactions of accurate poverty-alleviation serving “three rural issues” through mutual integration of financial organizations take root everywhere like mushrooms after rain,which play a critical role in guaranteeing the interests of Chinese farmers.This article is established against the development background of the combination of industry and finance at home and abroad,and develops its research on the transactions mode of “insurance+futures” taking the pilot project of natural rubber in Baisha county,Hainan province,so as to compare and analyze the current development condition and problems encountered concerning the mode.It will also further elaborate on the necessity and environment of the creation of the mode of “insurance+futures” participated by commercial banks.In addition,by referring to the foreign mode,it will extend its research on the innovative procedure plans of “bank+insurance+futures” mode and the applicability,advantages and disadvantages of the innovative procedure plans.The innovative transaction mode of “bank+insurance+futures” has great practical significance and is beneficial for the promotion of the integration of Chinese agricultural production into the modernized industrial ecological circle of combined finance and industry.It provides a new research thinking for the agricultural policy reform in China,and is able to open up new business development space for all financial organizations while creating fuller and more systematic financial guarantee for the development of agricultural poverty-alleviation.