我国农村小额信贷保险险种问题研究
刘金霞1, 杨妍2
1. 河北广播电视大学, 河北石家庄 050071;
2. 河北经贸大学, 河北石家庄 050061
起止页码: 58--62页
DOI:
摘要：
农村小额信贷保险将个人信用与信贷额度、风险控制能力加以综合运用，有利于化解长期困扰农业和农村经济发展的"贷款难"问题，实现共赢格局。目前我国农村小额信贷保险主要有借款人意外伤害保险、借贷者农村小额信贷保险定期保险、小额信贷组合保险以及农村小额信贷保证保险等四类险种，数量少，保障范围狭窄，险种覆盖区域较少，同质化严重，借款人与信贷机构之间、借款人与保险公司之间以及银保之间权利义务不对等。为进一步推动我国农村小额信贷保险发展，必须加大扶持力度，扩大农村小额信贷保险产品供求；扩大农村小额信贷保险的责任范围，充分转移信贷风险；实行差异化费率，保证农村小额信贷保险的公平性；改革现有农村小额信贷保险投保方式和合同相关内容，维护借款农户权益；大力开发和推广农村小额信贷保险新险种，完善农村信贷风险保障体系。
Study on the Problems of Types of Rural Micro-credit Insurance in China
LIU Jinxia1, YANG Yan2
1. Hebei Radio & TV University, Shiiiazhuang, Hebei 050071;
2. Hebei University of Economics and Business, Shijiazhuang, Hebei 050061, China
Abstract:
Rural micro-credit insurance integrate personal credit, credit line and credit risk control ability, which will help to resolve the long-standing problem of farmers~difficulty of loan in agricultural and rural economic development and achieve win-win pattern. The insurance of rural micro-credit in China has mainly four categories including the borrower accident injury insurance, the insurance of rural micro-credit borrowers regular insurance, the micro-credit portfolio insurance and the rural micro-credit guarantee insurance. There are some problems such as much smaller quantity, the scope of protection stenosis, less insurance coverage area, serious homogenization, unequal rights and obligations among insurance company, farmer borrower and financial institution. To further promote the development of the insurance of rural micro-credit in china, it must strengthen the support, expand the rural micro-credit insurance product sup-ply and demand; expand the rural micro-credit insurance coverage, full transfer credit risk; implement dif-ferentiation rate, ensure the fairness of rural micro-credit insurance; reform the existing rural micro-credit insurance purchase approach and the contract related content, safeguard farmers' rights and interests; vigorously develop and promote rural micro-credit insurance new coverage, improve the credit risk guarantee system in rural areas.
收稿日期: 2015-01-28
基金项目:
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