农村“小额信贷+小额保险”模式浅析

三农问题是当前实现中国经济可持续发展、构建和谐社会最为关键的问题，而农村金融支撑力度的强弱是影响农村稳定、农业发展与农民增收极其重要的因素。农村小额信贷作为我国农村金融的一种扶贫模式制度，能够有效解决农民资金短缺状况并且大力支持农村经济的发展。
但是农村小额信贷和其他贷款产品一样存在风险，农户“贷款难”问题仍然十分突出。“小额信贷＋小额保险”这种结合模式在解决农户贷款担保，转移信贷机构贷款风险，开拓保险公司农村保险市场方面发挥了重要作用，因此该模式具有推广的必要性。但是该模式在运行过程中出现了很多问题，对于如何完善“小额信贷＋小额保险”模式，本文主要从农户、政府、保险机构以及信贷机构多方面提出建议，以及从实际出发对该模式提出新想法，以保证小额信贷的可持续发展。

关键字：农村小额信贷 ；小额保险
Abstract

For China, farming is the critical problem to develop its economy and to build a harmonious society. The financial support is another important force to influence the village stability, agricultural development, and the income of the farmer. As one kind of the Chinese rural financial systems, Rural micro-credit mechanism, can relieve the problem of lacking capital among farmers, moreover, support the village economy a lot.
However,Rural micro-credit mechanism has risk as other loan products, and the loan problem of farmer is still very outstanding. The pattern which combine Rural micro-credit mechanism with insurance which plays an importanr role in sloving the loan guarantee of farmer, tranfering credit loan risk and opening up insurance market in rural areas . So the pattern has the necessity of promotion. However, many problems exist in the process. To make the pattern develop more better, the article mainly put forward advices from the farmer, government, insurance company and credit institution .Besides, the article also put forward some new ideas to ensure the sustainable development of microfinance.

Key words: Rural micro-credit mechanism；Petty insurance

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