金融学院知识库

   近年来，我国社会逐渐向信息化、城镇化方向靠拢，大量劳动力从农村涌入城镇，支持农村经济发展的传统农业生产活动也转向非农业产业活动，社会发展的转变推动新型农业经营主体这一概念的提出。以往农户的传统农业生产活动的显著特点是采取分散化经营方式，而新型农业经营主体区与传统农业生产活动相比，其在集约化、规模化、技术化、市场化等方面的具有经营优势。新型农业经营主体的优势使其逐渐发展成为我国农村金融市场中的主力。但是由于受到自身缺陷问题的制约，导致其在发展过程中面临着融资难的问题。

   贷款保证保险作为一种能够转移信贷风险的金融工具，它的提出是有效缓解新型农业经营主体融资问题的手段之一。将贷款保证保险引入新型农业经营主体融资过程，使其充分发挥自身转移风险这一保险功能，为新型农业经营主体拓宽新的融资途径，有利于新型农业经营主体取得所需资金支持。贷款保证保险在推动融资过程时，除了发挥其分散风险的保险功能外，贷款保证保险的提出对探究如何加强银保联结合作模式提供了新的想法思路，为彼此拓宽合作领域提供了机会，充分发挥合作潜力。本文对于贷款保证保险缓解新型农业经营主体融资问题的研究问题上，通过对相关典型案例模式运作的分析，结合案例经验，指出其发展存在问题，并从政府及参与主体层面对其发展中存在的问题提供相关对策建议。

    In recent years, China's society has gradually moved towards information technology and urbanization. A large number of labor force has poured into cities and towns from rural areas. The traditional agricultural production activities supporting rural economic development have also turned to non-agricultural industrial activities. The transformation of social development has promoted the concept of new agricultural management subject. In the past, farmers' traditional agricultural production activities were characterized by decentralized management, while the new agricultural management entities were different from the traditional agricultural production activities by their advantages in intensive, large-scale, technical and market-oriented management. The advantages of the new agricultural management body make it gradually become the main force in the rural financial market of our country. However, due to the constraints of its own defects, it faces the problem of financing difficulty in the process of development.

    For a long time, the difficulty of financing for new agricultural operators has always been a major obstacle to their development. As a financial tool that can transfer credit risk, loan guarantee insurance is one of the effective means to alleviate the financing problems of new agricultural operators. The loan guarantee insurance is introduced into the financing process of the new agricultural operation subject, so that it can give full play to its insurance function of risk transfer, broaden new financing channels for the new agricultural operation subject, and help the new agricultural operation subject to obtain the required financial support. In the process of promoting financing, apart from playing its insurance function of dispersing risks, the proposal of loan guarantee insurance provides a new idea for exploring how to strengthen the cooperation mode of bank insurance connection, and provides opportunities for each other to broaden the areas of cooperation and give full play to the potential of cooperation. In this paper, through the analysis of the operation of the relevant typical case model, combined with the case experience, the existing problems in the development of loan guarantee insurance are pointed out, and the relevant countermeasures and suggestions are provided from the level of the government and the participants.