本文選題：農業(yè)信貸　切入點：農業(yè)保險　出處：《華中農業(yè)大學》2017年碩士論文

【摘要】：近年來農村經濟發(fā)展緩慢等問題日趨嚴重,已經對我國經濟穩(wěn)定增長造成了沖擊。作為行業(yè)發(fā)展催化劑的金融業(yè)也必須提升服務水平,增加創(chuàng)新型金融產品以適應市場需求。農業(yè)銀保合作作為農業(yè)金融創(chuàng)新發(fā)展的方式之一,受到政府和學者們廣泛關注,且2009年在中央一號文件中明確指出要加強農業(yè)銀保合作。基于湖北省研究農業(yè)信貸與農業(yè)保險之間是否具有協同共生關系,對完善湖北省農業(yè)金融服務體系,推動湖北省農業(yè)發(fā)展具有重要作用。同時其研究成果對在全國范圍內推行農業(yè)銀保合作也具有一定的參考意義。目前,雖然國內外在農業(yè)保險與農業(yè)信貸合作發(fā)展關系上研究的學者很多,但是研究觀點分歧很大。一部分學者認為農業(yè)信貸和農業(yè)保險合作能提高雙方經營效率,促進雙方發(fā)展。另一部分學者卻認為農業(yè)保險與農業(yè)信貸的關系并不緊密,甚至農業(yè)保險和農業(yè)信貸合作還會抑制農業(yè)信貸的需求。基于上述學者研究觀點的不同,筆者參考以前學者的實證研究方法建立了VAR模型并對模型作了優(yōu)化,通過農業(yè)保險密度作為農業(yè)保險發(fā)展指標,用農業(yè)信貸規(guī)模和農業(yè)信貸結構兩個維度衡量農業(yè)信貸的發(fā)展。對農業(yè)信貸融資規(guī)模和農業(yè)保險密度之間,農業(yè)信貸結構與農業(yè)保險密度之間進行Granger因果檢驗,得出兩者之間具有因果關系。進而筆者進行脈沖響應分析,探究兩者之間相互促進作用的大小隨著時間推移的變化趨勢。研究結論主要有:(1)湖北省農業(yè)信貸供給不足,并出現農業(yè)資金外逃現象,其中農村商業(yè)銀行的農業(yè)資金外逃現象最為嚴重。湖北省信貸機構發(fā)展起步晚,規(guī)模小且分布不均勻,鄂中東部發(fā)展較好,鄂西部發(fā)展嚴重滯后。金融人才流入中大城市的現象隨時間推移愈發(fā)明顯,農村金融人才供給不足。(2)湖北省農業(yè)保險的險種覆蓋面少且保險規(guī)模和覆蓋面不大,與全省農業(yè)產值不匹配,鄂西地區(qū)保費收入低于其他地區(qū)。湖北省農業(yè)保險經營機構的經營狀況不佳,在省內農業(yè)保險的保險公司賠付率高,農業(yè)保險公司損失嚴重,并缺乏巨災風險保障體系分擔農業(yè)保險公司風險。(3)實證檢驗得出:(1)農業(yè)保險發(fā)展不能優(yōu)化農業(yè)信貸結構。(2)農業(yè)保險發(fā)展可以擴大農業(yè)信貸的信貸融資規(guī)模。(3)農業(yè)信貸結構優(yōu)化能夠促進農業(yè)保險發(fā)展。(4)農業(yè)信貸的信貸融資規(guī)模的擴大一定程度上抑制了農業(yè)保險的發(fā)展。根據上述結論,筆者對湖北省農業(yè)信貸與農業(yè)保險如何進行深度合作發(fā)展提出了五點建議:(1)增加農業(yè)保險品種、擴大農業(yè)保險覆蓋面。(2)提高農業(yè)保險補貼力度,提高保障水平。(3)完善農業(yè)保險與農業(yè)信貸的合作機制。(4)完善農業(yè)保險與農業(yè)信貸合作發(fā)展的相關法律。(5)建立完善的風險分散體系幫助農業(yè)保險公司分散風險。
[Abstract]:In recent years, the slow development of rural economy has become more and more serious, which has already caused an impact on the steady economic growth of our country. As a catalyst for the development of the industry, the financial industry must also upgrade its service level. Increasing innovative financial products to meet the needs of the market. As one of the ways of agricultural financial innovation and development, agricultural banking and insurance cooperation has been widely concerned by the government and scholars. In 2009, it was clearly pointed out in the No. 1 document of the Central Committee that the cooperation between agricultural banking and insurance should be strengthened. Based on the research on whether there is a synergistic symbiotic relationship between agricultural credit and agricultural insurance in Hubei Province, it will improve the agricultural financial service system of Hubei Province. Promoting agricultural development in Hubei Province plays an important role. At the same time, its research results also have a certain reference significance for the implementation of agricultural banking and insurance cooperation across the country. Although there are many scholars at home and abroad who study the relationship between agricultural insurance and agricultural credit cooperation, the research views are very different. Some scholars believe that agricultural credit and agricultural insurance cooperation can improve the management efficiency of both sides. Other scholars believe that the relationship between agricultural insurance and agricultural credit is not close, and even agricultural insurance and agricultural credit cooperation can restrain the demand for agricultural credit. Referring to the empirical research methods of previous scholars, the author establishes the VAR model and optimizes the model. The density of agricultural insurance is used as the development index of agricultural insurance. The development of agricultural credit is measured from the scale of agricultural credit and the structure of agricultural credit. The Granger causality test is carried out between the scale of agricultural credit financing and the density of agricultural insurance, and between the structure of agricultural credit and the density of agricultural insurance. It is concluded that there is a causal relationship between the two. Then the author carries out impulse response analysis to explore the changing trend of the mutual promotion between the two over time. The main conclusions of the study are: 1) insufficient supply of agricultural credit in Hubei Province. And the phenomenon of agricultural capital flight appears, among which the rural commercial banks' agricultural capital flight is the most serious. The development of credit institutions in Hubei Province started late, the scale is small and the distribution is uneven, and the central and eastern part of Hubei Province has developed better. The development of western Hubei is seriously lagging behind. The phenomenon of financial talents flowing into large cities becomes more and more obvious with the passage of time. The supply of financial talents in rural areas is insufficient. 2) the coverage of agricultural insurance in Hubei Province is small, and the insurance scale and coverage are not large. The insurance premium income in western Hubei Province is lower than that in other regions. The operating condition of agricultural insurance management institutions in Hubei Province is not good. The insurance companies of agricultural insurance in Hubei province have a high indemnity rate, and the losses of agricultural insurance companies are serious. The empirical test shows that the development of agricultural insurance can not optimize the structure of agricultural credit. 2) the development of agricultural insurance can expand the scale of credit financing of agricultural credit. The optimization of credit structure can promote the development of agricultural insurance. (4) the expansion of credit financing scale of agricultural credit suppresses the development of agricultural insurance to some extent. The author puts forward five suggestions on how to carry out the deep cooperative development of agricultural credit and agricultural insurance in Hubei province) to increase the variety of agricultural insurance, to expand the coverage of agricultural insurance, and to increase the subsidy intensity of agricultural insurance. Improving the level of guarantee. 3) perfecting the cooperative mechanism between agricultural insurance and agricultural credit. 4) perfecting the laws related to the cooperative development of agricultural insurance and agricultural credit. 5) establishing a perfect risk dispersion system to help agricultural insurance companies disperse risks.
【學位授予單位】：華中農業(yè)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F842.66;F832.43

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本文編號：1687921