银保合作下涉农贷款保证保险区域发展的需求差异研究——以江苏省农业保险贷为例
|
摘要
涉农贷款保证保险区域需求差异的研究有利于推动银保互动机制优化与复制推广。笔者从区域发展的视角对江苏省1 949户新型农业经营主体农业保险贷的需求意愿进行区域性对比并选用Logit模型研究其影响因素。研究发现:欠发达地区农业保险贷的需求意愿明显高于发达、中等发达地区;资金需求、农业保险贷认知是新型农业经营主体选择农业保险贷的共性因素;除此之外,发达地区侧重考虑农业保险的损失弥补能力;中等发达地区综合考虑其自身、银行保险机构的信贷特征与保险服务;欠发达地区主要关注自身经营特征与保费承担能力。推进涉农贷款保证保险试点不应采取"一刀切"政策,发达地区应着重推进现代农业保险产品试点、构建多种"农业保险+信贷"模式;中等发达地区应简化农业保险贷流程、提高金融机构服务水平;欠发达地区应加大地方政府支持、提高涉农贷款保证保险市场供给。
The regional differences in the willingness of agricultural loan guarantee insurance can promote the optimization and replication of the interaction mechanism of bank-insurance cooperation. This paper compares the demand intention for it and uses Logit model to study its influencing factors. It is found that: the demand for agricultural insurance loans in underdeveloped areas is significantly higher than that in developed and medium-developed areas; capital demand and the awareness of agricultural insurance are the common factors.In addition,the developed regions focus on the role of agricultural insurance; the medium-developed regions consider their own credit characteristics and insurance services; the underdeveloped areas only pay attention to their own business characteristics. The measures of promoting agricultural loan guarantee insurance should not adopt the same policy: developed regions should focus on promoting modern agricultural insurance product pilots and constructing a variety of agricultural insurance & credit models; medium-developed regions should simplify agricultural insurance lending processes and improve the service level of financial institutions; underdeveloped areas should increase local government support and increase the supply of agricultural loan guarantee insurance.
The regional differences in the willingness of agricultural loan guarantee insurance can promote the optimization and replication of the interaction mechanism of bank-insurance cooperation. This paper compares the demand intention for it and uses Logit model to study its influencing factors. It is found that: the demand for agricultural insurance loans in underdeveloped areas is significantly higher than that in developed and medium-developed areas; capital demand and the awareness of agricultural insurance are the common factors.In addition,the developed regions focus on the role of agricultural insurance; the medium-developed regions consider their own credit characteristics and insurance services; the underdeveloped areas only pay attention to their own business characteristics. The measures of promoting agricultural loan guarantee insurance should not adopt the same policy: developed regions should focus on promoting modern agricultural insurance product pilots and constructing a variety of agricultural insurance & credit models; medium-developed regions should simplify agricultural insurance lending processes and improve the service level of financial institutions; underdeveloped areas should increase local government support and increase the supply of agricultural loan guarantee insurance.
引文
[1]王蔷,郭晓鸣.新型农业经营主体融资需求研究——基于四川省的问卷分析[J].财经科学,2017(8):118-130.
[2]叶明华,朱俊生.新型农业经营主体与传统小农户农业保险偏好异质性研究——基于9个粮食主产省份的田野调查[J].经济问题,2018(2):91-97.
[3]朱文胜,王德群.新型农业经营主体融资难[J].中国金融,2014(3):4-10.
[4]林乐芬,法宁.新型农业经营主体融资难的深层原因及化解路径[J].南京社会科学,2015(7):150-155.
[5]林乐芬,王步天.政策性农业保险供给评价及影响因素——基于江苏省2 300户稻麦经营主体的问卷调查[J].财经科学,2016(10):121-132.
[6]刘超,尹金辉.我国农业保险与农村信贷互动模式及绩效[J].农村经济,2013(12):78-81.
[7] Binswanger P H. Risk Aversion. Collateral Requirements,and the Markets for Credit And Insurance in Rural Areas[M]. Baltimore and London:The Johns Hopkins University Press,1980:71-76.
[8] Pomareda C. An Evaluation of Impact of Credit Insurance on Bank Performance in Panama[M]. Blatimore and London:The Johns Hopkins University Press,1986:106-114.
[9] Von Pischke J D. Can Crop Credit Insurance Address Risks in Agriculture Lendind:Crop Insurance for Agricultural Development:Issues and Experience[M]. The Johns Hopkins and University Press,1986:87-100.
[10] Michel Crouhy,Dan Galai,Robert Mark. A Comparative Analysis of Current Credit Risk Model[J]. Journal of Banking&Finance,2000(24):59-117.
[11]祝国平,常燕.农业保险对农村信贷的促进作用研究[J].经济纵横,2014(7):32-37.
[12]刘祚祥,黄权国.信息生产能力、农业保险与农村金融市场的信贷配给——基于修正的S-W模型的实证分析[J].中国农村经济,2012(5). 53-64.
[13]崔杰.保险降低农村信贷信息不对称的机理分析[J].求索,2012(11). 8-10.
[14] Miranda M J,Gonzalez-Vega C. Systemic Risk,Index Insurance,and Optimal Management of Agricultural Loan Portfolios in Developing Countries[J]. American Journal of Agricultural Economics,2010(6),118-122.
[15]叶明华,卫玥.农业保险与农村信贷:互动模式与绩效评价[J].经济体制改革,2015(8):33-40.
[16]潘明清,郑军.农业保险与农村信贷发展:作用机制与政策建议[J].农村经济,2015(6):76-79.
[17]安冬,张元波.农业保险影响农业信贷的机制及实证研究[J].开发研究,2015(2):23-30.
[18]杨桂云.“农业保险+涉农信贷”贷款定价研究[J].财经理论与实践,2011(9):31-43.
[19]吴莹,张浩,李前进.农业保险与农村信贷互动机制研究[J].上海金融,2010(3). 87-90.
[20]吴本健,马九杰.信贷保险、金融机构信贷供给与农户借贷决策——来自F县草莓种植“信贷+保险”的证据[J].保险研究,2013(8):45-53.
[21]张建军,许承明.农业信贷与保险互联影响农户收入研究——基于苏鄂两省调研数据[J].财贸研究,2013(5):55-61.
[22]许承明,张建军.社会资本、异质性风险偏好影响农户信贷与保险互联选择研究[J].财贸经济,2012(12):63-70.
[23]冯文丽.探索发展农业信贷的保险支持机制[J].农村金融研究,2008(9):53-57.
[24]杜迎伟,张树忠,王雨舟.发挥“农业保险+信贷”的协同效应[J].中国金融,2008(10):89-97.
[25]徐佳,李玲玲.加大农业保险的财政支持力度——我国农业保险的现实选择[J].现代经济信息,2010(3):33-37.
[26]聂勇,陈建宁.关于农业保险与农业信贷整合支农的探讨[J].经济纵横,2010(9):94-96.
[27]黄亚林.农业保险与农村小额信贷的协同分析[J].浙江金融,2012(10):54-60.
[28]马晓青,黄祖辉.农户信贷需求与融资偏好差异化比较研究——基于江苏省588户农户调查问卷[J].南京农业大学学报(社会科学版),2010(10):57-63.
[29]张伟,郭颂平.风险演变、收入调整与不同地理区域农业保险的差异化需求[J].保险研究,2013(10):32-41.
(1)来源于中共中央、国务院办公厅2017年的《关于加快构建政策体系培育新型农业经营主体的意见》。
(1)参见江苏省“农业保险贷”管理办法(苏财金[2016] 40号)。
[2]叶明华,朱俊生.新型农业经营主体与传统小农户农业保险偏好异质性研究——基于9个粮食主产省份的田野调查[J].经济问题,2018(2):91-97.
[3]朱文胜,王德群.新型农业经营主体融资难[J].中国金融,2014(3):4-10.
[4]林乐芬,法宁.新型农业经营主体融资难的深层原因及化解路径[J].南京社会科学,2015(7):150-155.
[5]林乐芬,王步天.政策性农业保险供给评价及影响因素——基于江苏省2 300户稻麦经营主体的问卷调查[J].财经科学,2016(10):121-132.
[6]刘超,尹金辉.我国农业保险与农村信贷互动模式及绩效[J].农村经济,2013(12):78-81.
[7] Binswanger P H. Risk Aversion. Collateral Requirements,and the Markets for Credit And Insurance in Rural Areas[M]. Baltimore and London:The Johns Hopkins University Press,1980:71-76.
[8] Pomareda C. An Evaluation of Impact of Credit Insurance on Bank Performance in Panama[M]. Blatimore and London:The Johns Hopkins University Press,1986:106-114.
[9] Von Pischke J D. Can Crop Credit Insurance Address Risks in Agriculture Lendind:Crop Insurance for Agricultural Development:Issues and Experience[M]. The Johns Hopkins and University Press,1986:87-100.
[10] Michel Crouhy,Dan Galai,Robert Mark. A Comparative Analysis of Current Credit Risk Model[J]. Journal of Banking&Finance,2000(24):59-117.
[11]祝国平,常燕.农业保险对农村信贷的促进作用研究[J].经济纵横,2014(7):32-37.
[12]刘祚祥,黄权国.信息生产能力、农业保险与农村金融市场的信贷配给——基于修正的S-W模型的实证分析[J].中国农村经济,2012(5). 53-64.
[13]崔杰.保险降低农村信贷信息不对称的机理分析[J].求索,2012(11). 8-10.
[14] Miranda M J,Gonzalez-Vega C. Systemic Risk,Index Insurance,and Optimal Management of Agricultural Loan Portfolios in Developing Countries[J]. American Journal of Agricultural Economics,2010(6),118-122.
[15]叶明华,卫玥.农业保险与农村信贷:互动模式与绩效评价[J].经济体制改革,2015(8):33-40.
[16]潘明清,郑军.农业保险与农村信贷发展:作用机制与政策建议[J].农村经济,2015(6):76-79.
[17]安冬,张元波.农业保险影响农业信贷的机制及实证研究[J].开发研究,2015(2):23-30.
[18]杨桂云.“农业保险+涉农信贷”贷款定价研究[J].财经理论与实践,2011(9):31-43.
[19]吴莹,张浩,李前进.农业保险与农村信贷互动机制研究[J].上海金融,2010(3). 87-90.
[20]吴本健,马九杰.信贷保险、金融机构信贷供给与农户借贷决策——来自F县草莓种植“信贷+保险”的证据[J].保险研究,2013(8):45-53.
[21]张建军,许承明.农业信贷与保险互联影响农户收入研究——基于苏鄂两省调研数据[J].财贸研究,2013(5):55-61.
[22]许承明,张建军.社会资本、异质性风险偏好影响农户信贷与保险互联选择研究[J].财贸经济,2012(12):63-70.
[23]冯文丽.探索发展农业信贷的保险支持机制[J].农村金融研究,2008(9):53-57.
[24]杜迎伟,张树忠,王雨舟.发挥“农业保险+信贷”的协同效应[J].中国金融,2008(10):89-97.
[25]徐佳,李玲玲.加大农业保险的财政支持力度——我国农业保险的现实选择[J].现代经济信息,2010(3):33-37.
[26]聂勇,陈建宁.关于农业保险与农业信贷整合支农的探讨[J].经济纵横,2010(9):94-96.
[27]黄亚林.农业保险与农村小额信贷的协同分析[J].浙江金融,2012(10):54-60.
[28]马晓青,黄祖辉.农户信贷需求与融资偏好差异化比较研究——基于江苏省588户农户调查问卷[J].南京农业大学学报(社会科学版),2010(10):57-63.
[29]张伟,郭颂平.风险演变、收入调整与不同地理区域农业保险的差异化需求[J].保险研究,2013(10):32-41.
(1)来源于中共中央、国务院办公厅2017年的《关于加快构建政策体系培育新型农业经营主体的意见》。
(1)参见江苏省“农业保险贷”管理办法(苏财金[2016] 40号)。