：农村小额信贷保险发展研究目录摘要.....................................................1一、农村小额信贷保险概述..................................3（一）农村小额信贷保险的内涵及特征.....................31.农村小额信贷保险的内涵............................32.农村小额信贷保险的特征............................3（二）小额信贷保险的供求分析...........................41.小额信贷保险的需求分析............................42.小额信贷保险的供给分析............................6二、我国农村发展小额信贷保险的必要性和可行性..............7（一）我国农村发展小额信贷保险的必要性.................7（二）我国农村发展小额信贷保险的可行性.................8三、我国农村发展小额信贷保险的制约因素....................9（一）我国农村小额信贷保险政策支持不到位...............9（二）我国农村小额信贷保险操作不规范..................10（三）我国农村小额信贷保险创新不足....................10四、我国农村信贷保险的发展对策...........................10（一）提供政策支持促进小额信贷保险发展................10（二）培育健康有序的小额信贷保险市场..................11（三）促进小额信贷保险销售渠道和经营模式的创新........11参考文献.................................................13农村小额信贷保险发展研究摘要由于农民的贷款绝大部分是无抵押的信用贷款或农户联保贷款，对小额信贷机构来说，农村信贷市场的风险是巨大的，这就在很大程度上导致了农民贷款难的问题。小额信贷保险作为银保合作的一种新型模式，可以帮助农信社等金融机构有效转嫁信贷风险。这样一方面能够降低农信社的贷款风险，扩大其贷款额度，以缓解农户贷款难的问题；另一方面能够为保险公司带来保费收入，扩大保险在农村的影响力，提高农户的保险意识。可以这样说，农村小额信贷保险的发展能够使小额信贷机构、保险公司、农户达到三方共赢的良好结果。小额信贷保险在我国还处于探索或试点阶段，本文通过分析国外小额信贷保险发展现状，借鉴国外小额信贷保险发展经验，并结合我国国情，分析我国开展小额信贷保险的必要性和可行性，提出我国小额信贷保险发展模式的选择，通过对目前我国开展小额信贷保险的制约因素分析，提出了自己的政策建议，力图使小额信贷保险在我国农村开展有一定的理论和现实意义。关键词：小额信贷保险；小额信贷机构；发展模式ABSTRACTTomicro-creditinstitutions,asfarmersloansaremostlyunsecuredcreditloansorguaranteeoffarmers’loans,theriskoftheruralcreditmarketisenormous.Toalargeextent,thatleadstocreditcorroborativeinruralareaslendloanshard,sodofarmerscreditloans.Micro-creditinsurance,anewmodelofbankingandinsurancecooperation,couldhelpcreditcorroborativeinruralareasandotherfinancialinstitutionstotransferthecreditriskeffectively.Ontheonehand,itcanreducetheriskofloansofcreditcorroborativeinruralareasandexpanditscreditlinetoalleviatethefarmersgettingloans;ontheotherhand,itbringspremiumincomeforinsurancecompanies,expandstheinfluenceofinsuranceinruralareasandimprovesfarmers’insuranceconsciousness.Youcansaythatthedevelopmentofruralmicro-creditinsurancecanmakemicro-creditinstitutions,insurancecompaniesandthefarmersachievegoodresultsatthesametime.InChina,micro-creditinsuranceisstillattheexploratoryorpilotstage.Thoughanalyzingthedevelopmentstatusofforeignmicro-creditinsurancefromwhichwelearnexperiencesandcombinedwithChina'snationalconditions,thepaperanalysisthatitisnecessaryandpossibletocarryoutmicro-creditinsurance.Thepaperalsopresentsdevelopmentmodelofourmicro-creditinsurance.Andanalyzingtheconstraintsofcarryingoutmicro-creditinsuranceinourcountryatpresent,atlast,thispaperputsforwarditsownpolicyproposalsinordert...
