Synergetic Mechanism Of Agricultural Insurance And Agricultural Credit In Hunan Province

"Agriculture, rural areas and farmers" issue has always been about social stability and economic development of the major issues, to solve the "three rural issues" can't depart from the support of rural finance, and the need to accelerate the development of rural finance in rural areas of financial product and service innovation, establish a multi-level, wide coverage, moderate competition of rural financial service system. As an important part of rural finance, the coordinated development of agricultural insurance and agricultural credit for improving rural credit environment, the development of rural finance and support the development of the "three rural" plays an important role.Under this background, this paper combined with the domestic and foreign research present situation and related theory, to explore Hunan agricultural insurance and agricultural credit cooperative relationship.This article first on the current status of the Hunan agricultural insurance and agricultural development present situation has carried on the detailed analysis, on this basis, from the theory of agricultural insurance in Hunan province and the relationship between the agricultural credit is studied.Hunan agricultural insurance and agricultural credit service objects are low-income agricultural production operator, has control of agricultural risks, the common demand to solve the problem of asymmetric information, are effective means for poverty alleviation.The need to help each other, to promote the development of financial market in Hunan province.On this basis, this paper based on the VAR model, Johansen cointegration test, Granger causality test and other econometric methods, to explore Hunan province from the perspective of quantitative between agricultural insurance and agricultural credit cooperative relationship.Hunan agricultural insurance and agricultural credit, there is no co-integration relationship between also constitute each other's granger reason.And from two aspects of statistical method and the real reason for the description and analysis, think of Hunan agricultural insurance and agricultural credit cooperative effect is not obvious is the main reason of the agricultural credit and agricultural insurance service object, cooperative foundation weak, the credit insurance product structure simplification, etc.Finally, from two aspects:the government and the bank-insurance cooperation is put forward to promote the development of Hunan agricultural insurance and agricultural credit cooperative strategies. Government level, to provide financial support to promote the coordinated development of agricultural insurance and credit, perfect the laws and regulations to regulate credit institutions, insurance companies, and borrowing the rights and obligations between and among farmers.Banks and insurance companies, should strengthen propaganda in order to improve the enthusiasm of farmers, improve the cooperation mechanism of insurance institutions and credit agencies, and improve agricultural regulatory mechanism of the cooperation between Banks and insurance companies.