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农村银保合作是一个三方共赢的举措2007年以来,受国家宏观经济调控等各种因素的影响,农村地区信贷资金供求矛盾逐步加大,支农资金不足,农民申请贷款满足率不足三成。产生上述问题的根源是农村融资风险过大,农村金融体系缺乏风险分散机制。发展农村银保合作是一个三方共赢、多方受益的举措。
Since the beginning of 2007, under the influence of various factors such as the state’s macroeconomic regulation and control, the contradiction between the supply and demand of credit funds in rural areas has been gradually escalating. There is not enough funds for supporting agriculture and the loan-to-loan ratio for farmers is less than 30%. The root cause of the above problems is that the risk of rural financing is too large, and the rural financial system lacks the mechanism of risk diversification. The development of rural cooperative insurance is a tripartite win-win and multi-benefit measure.