A Case Study On The Mode Of "Capital Management Loan+ Guarantee Insurance" Under The Financing For Agricultureof A Insurance Company

How to make good use of insurance funds has been the concern of the insurance company executives topic,now the traditional business of the insurance company can not meet the demand for investment,so in recent years,spawned a number of insurance companies listed companies placards phenomenon.A insurance company in response to the national central document to support the development of agriculture,to solve the financing difficulties,financing expensive issue of agricultural financing projects.Agriculture information management project financing loan guarantee insurance + "mode is the former Bancassurance model into A insurance company acts as the role of bank as well as the role of insurance companies,the use of insurance funds directly to farmers and agricultural enterprises lending.For A insurance companies,although the innovation is to support the national industrial policy,but the risks are also significantly improved.For financing projects for half a year in the six pilot areas,presents some problems in the first half of this time,the risk can not be dispersed,especially moral risks.This paper starts with the problems reflected in the financing project of agriculture,and then gives some suggestions and countermeasures.This paper is composed of five parts.The first part is the introduction,which discusses the research background and significance,the main contents and methods.The second part describes the general situation of the A insurance company,the origin and characteristics of the financing project of agriculture,the introduction of the mode of "information management loan + guarantee insurance",and the present situation of the development of the agriculture financing.In the third part,the author analyzes the existing problems and the causes of the problem of "information management loan + guarantee insurance" model under the condition of "agriculture bank insurance" and "bancassurance".The fourth part is mainly to solve the problem of financing projects,and give practical suggestions and countermeasures.The fifth part is "information management analysis of prospect of insurance mode loan + guarantee,this part is mainly from A insurance companies will support financing project promotion from agriculture to other areas,and then the" loan guarantee insurance + information management "model to other insurance companies have the ability to experience reference and recommendations.