金融学院知识库

甘肃省是我国西北地区的农业大省，农业保险和农业信贷作为新型农村金融系统的两大重要支柱，应发挥各自的优势共同推动甘肃省农村金融的健康发展。然而，当前信贷机构推出的信贷产品往往由于农业贷款的高风险低收益性而难以满足农户需求，农业保险在发展过程中也存在产品定价缺乏科学性和差异化，逆向选择和道德风险严重等问题。基于以上背景，如何将农业保险与农业信贷进行有机结合，帮助二者突破发展瓶颈的同时实现更大的协同效应值得进行深入研究。

文章以甘肃省农业保险与农业信贷的协同发展水平为主要研究内容，运用理论分析和实证分析相结合的方法进行研究。首先，通过梳理文献确定了相关基础概念理论，并对农业保险和农业信贷的相互作用机制进行探索；其次，对甘肃省农业保险和农业信贷发展现状以及协同发展模式取得的成果进行研究，针对其发展过程中存在的问题进行讨论；最后，选取2007-2021年甘肃省农业保险和农业信贷相关数据作为指标，建立VAR模型来研究二者之间是否具有协同关系以及协同的关系程度，进行格兰杰因果关系检验进一步明确二者内部的相互关系，通过建立脉冲响应函数探究随着时间的推移二者受到的冲击对彼此产生的影响程度。

研究表明：甘肃省农业保险的发展对农业贷款的发展有积极的影响，但是农业贷款的发展对农业保险发展的影响并不明确。二者协同发展中还存在运作机制尚未完善，资源共享机制不足，合作和创新度不够，监管制度不完善等问题，二者之间协同水平有待加强。基于以上结论，从机构和政府两方面提出以下几点建议：保险公司应推动区域差异化承保，提升保险理赔服务水平；信贷机构应拓宽放贷范围，定制差异化信贷产品；二者应完善资源共享机制，促进产品开发创新；同时，政府应调整保费补贴政策，建立完善的信用评级体系，健全法律法规体系。文章旨在丰富农业保险与农业信贷协同发展的相关理论研究，推进甘肃省更好地发挥农村金融机构的支农作用，为农民带来更多的收益和机遇，对助力农业农村现代化，实现农业产业可持续发展具有重要意义。

Gansu Province is a major agricultural province in northwest China. As the two important pillars of the new rural financial system, agricultural insurance and agricultural credit should play their respective advantages to jointly promote the healthy development of rural finance in Gansu Province. However, the current credit products launched by credit institutions are often difficult to meet the needs of farmers due to the high risk and low profitability of agricultural loans. In the development process of agricultural insurance, there are also problems such as lack of scientific and differentiated product pricing, adverse selection, and serious moral hazard. Based on the above background, it is worth conducting in-depth research on how to organically combine agricultural insurance and agricultural credit to help them break through development bottlenecks while achieving greater synergy.

The main research content of this article is the collaborative development level of agricultural insurance and agricultural credit in Gansu Province, using a combination of theoretical and empirical analysis methods to conduct research. Firstly, through reviewing the literature, we have identified relevant basic concepts and theories, and explored the interaction mechanism between agricultural insurance and agricultural credit; Secondly, it studies the current situation of agricultural insurance and agricultural credit development in Gansu Province and the achievements of the collaborative development model, and discusses the problems existing in its development process; Finally, select the relevant data of agricultural insurance and agricultural credit in Gansu Province from 2007 to 2021 as indicators, establish a VAR model to study whether there is a synergistic relationship between the two and the extent of the synergistic relationship, conduct a Granger causality test to further clarify the interrelationship between the two, and explore the impact of the impact on each other over time by establishing a pulse response function.

Research shows that the development of agricultural insurance in Gansu Province has a positive impact on the development of agricultural loans, but the impact of the development of agricultural loans on the development of agricultural insurance is not clear. In the collaborative development of the two, there are still problems such as imperfect operational mechanisms, insufficient resource sharing mechanisms, insufficient cooperation and innovation, and imperfect regulatory systems. The level of collaboration between the two needs to be strengthened. Based on the above conclusions, the following suggestions are proposed from both institutional and government perspectives: Insurance companies should promote regional differentiated underwriting and improve the level of insurance claim settlement services; Credit institutions should broaden the scope of lending and customize differentiated credit products; Both should improve the resource sharing mechanism and promote product development and innovation; At the same time, the government should adjust premium subsidy policies, establish a sound credit rating system, and improve the legal and regulatory system. The purpose of this article is to enrich the relevant theoretical research on the coordinated development of agricultural insurance and agricultural credit, promote Gansu Province to better play the role of rural financial institutions in supporting agriculture, bring more benefits and opportunities to farmers, and have important significance in assisting agricultural and rural modernization and achieving sustainable development of the agricultural industry.