Research On The Coupling Development Of Agricultural Insurance And Agricultural Credit To The Anti-poverty In Rural Areas

As one of the important financial instruments that can transfer and diversify risks,agricultural insurance helps to promote the improvement of agricultural production and stabilize the income level of rural areas,which is an effective driving force for social and economic growth.The basic functions of agricultural insurance are mainly to spread risks and make up for disaster losses to ensure the sustainability and stability of agricultural production.Because of its special industrial status,agriculture has a high linkage with other industries in the society.Therefore,agricultural insurance also has a positive multiplier effect on the overall growth of the social economy.Agricultural insurance not only provides technical or financial support to the insured in a timely manner before and after the disaster,but also agricultural insurance is generally policy-oriented,so that government funds are involved in the front end of agricultural production,fully realizing the government,insurers,A risk management situation involving multiple producers such as agricultural producers and other production departments.Agricultural credit is also an important tool for the development of rural finance,an important starting point for the strategic deployment of inclusive finance,and an important way for other sectors of society to participate in agricultural construction.Agricultural credit has a wide audience in rural areas,and institutional outlets have penetrated into every corner,providing a fertile ground for the construction and development of the rural financial environment.However,agricultural credit is subject to multiple pressures such as the natural environment and market volatility,that is,the cyclical and high risk of agricultural production,coupled with fluctuations in market information and macro financial environment,will have an impact on agricultural credit.The expected profit of the lender depends not only on the interest payment,but also on the possibility of default.The borrower's capital demand is often not fully satisfied,and the development and advancement of agricultural credit is relatively large.The coupling model of agricultural insurance and agricultural credit is the product of financial mixed operation.The purpose is to give full play to the risk management function of agricultural insurance and realize the availability and adequacy of agricultural loans under the condition of controlling credit risk to the lowest level.The risk diversification function of insurance and the financial support of agricultural credit form a risk sharing and benefit sharing among credit,insurance and agricultural producers,promote the sustainable development of agricultural economy,and promote the development of rural anti-poverty cause.Based on the combination of theory and empirical evidence,this paper expounds the coupling development of agricultural insurance and agricultural credit and its promotion of rural anti-poverty.The structure is mainly divided into the following parts:The first part mainly focuses on the topic selection of this paper.Through the overview of the macro background,the significance and purpose of the discussion in this paper are expounded,and the related concept definition is defined,and the research object of this paper is clarified.At the same time,it sorts out and summarizes the research status of domestic and foreign literatures,and explores a new path along the path of many seniors' research,and sorts out the main analysis and discussion methods of this paper.Finally,clarify the possible innovations and shortcomings of this paper.The second part is the theoretical basis,one is the theory of the coupling development of agricultural insurance and agricultural credit,and the other is the anti-poverty theory that the two are coupled to develop.This paper discusses the theoretical basis of the coupled development trend of agricultural insurance and agricultural credit,and discusses the influence principle of the coupling development between the two on the rural anti-poverty cause from the dynamic anti-poverty analysis framework,which lays a theoretical foundation for the research of this paper.On the basis of theoretical research,the third part further analyzes the realistic conditions and mechanism of the coordinated development of agricultural insurance and agricultural credit,and elaborates the coupling development of social finance exclusion,poverty vulnerability and sustainable livelihood.Give play to the role of rural anti-poverty.The fourth part is the analysis of the coupling mode of agricultural insurance and agricultural credit,clarifies the specific manifestation of the coupling of agricultural insurance and agricultural credit,and further analyzes the form of coupling development between the two through the introduction of the existing coupling development at home and abroad.The anti-poverty support situation demonstrated by the coupled development of insurance and agricultural credit was elaborated.The fifth part is the empirical part.The use of relevant statistics such as agricultural insurance indicators,agricultural credit indicators,and rural anti-poverty development indicators from 2000 to 2016 has two main contents.One is the test of the coupling degree of agricultural insurance and agricultural credit.Empirically,this part mainly applies to the coupling coordination model;one is the anti-poverty effect of agricultural insurance and agricultural credit,the purpose is to test the coupling development of agricultural insurance and agricultural credit and its anti-poverty effect.In the sixth part,through combing the research conclusions,on the basis of this conclusion,the main problems affecting the stability of agricultural insurance and agricultural credit coupling mechanism and restricting its anti-poverty effect are discussed,and some suggestions for these problems are put forward.Through the elaboration and analysis of the above contents,as long as the conclusions include the following aspects: First,agricultural insurance and agricultural credit can achieve coupling development;Second,the coupling development of agricultural insurance and agricultural credit can promote financial exclusion and poverty The role of reducing sexuality and expanding sustainable livelihoods to achieve anti-poverty in rural areas;third,the coupling development of agricultural insurance and agricultural credit can play a role in promoting anti-poverty in a long-term and stable manner,and this promotion is mainly in the coupling system.The contribution of agricultural credit,the contribution of agricultural insurance has certain limitations,and needs to be further strengthened.Based on the previous research results,the innovations that may exist in this paper mainly include the following aspects: First,it is the innovation of research perspective.Most of the previous studies on the impact of rural research on rural economy have been independently studied from the perspective of agricultural insurance or agricultural credit,and traditional research in the analysis of rural poverty concerns the low income and production data discussed in the absolute poverty category.Insufficient problems.This study combines the development of the two with rural anti-poverty development,and at the same time abandons the traditional static perspective of poverty analysis,adopts a new poverty analysis framework,cuts through multiple dimensions,and innovatively clarifies agricultural insurance and agriculture.The coupling development of credit can promote the anti-poverty in rural areas by promoting financial exclusion and reducing the vulnerability of poverty and expanding sustainable livelihoods,focusing on the dynamic process leading to poverty rather than poverty.Second,it is the innovation of research methods.First of all,in the empirical aspect,this paper is not limited to a single statistic,adopting multi-dimensional comprehensive indicators,and setting certain control variables at the same time,which can more effectively reflect the dynamic level of the coupling development of rural development against rural poverty.Secondly,through empirical research,this paper finds that there is an interaction between agricultural insurance and agricultural credit,and there is a cointegration relationship.This coupling trend is continuous as a whole;the coupled development of the two can play a role in promoting rural anti-poverty.Role,but this promotion is more pronounced in agricultural credit,not significant in agricultural insurance,and there are significant differences in time and extent.Finally,it analyzes the possible problems and further proposes innovative development proposals to promote its sustainable anti-poverty.Limited to the theoretical level and the limitation of data processing ability,the following points are representative of the following deficiencies: First,the theoretical part,the analysis of the theory and mechanism of the rural anti-poverty effect of agricultural insurance and agricultural credit coupling development,only in the theoretical discussion on the basis of summing up the factors affecting poverty,there is still insufficient practice test.Most domestic practices are still in the trial stage.At the same time,there may be many factors that have not yet been considered comprehensive,and they need to continue to study and explore.Second,this paper discusses the data used are national annual data,all from the National Bureau of Statistics and the insurance yearbooks over the years.In addition,there are related statistical official websites.Objectively,these data often have hysteresis,and they may not be able to be regionally representative.Fully reflect objective facts.