我国农村小额信贷保险研究

1摘 要因为在农村地区的贷款一般使用的是信用贷款，这样的信贷对于小额信贷机构来说，农村的金融市场有着巨大的风险，这样的实际情况在很多时候使得农民贷款不是很容易。同时需要看到的是，小金额的贷款保险已经成为银保的一种新的方式，这样的形式可以帮助农村等地的信用合作社进行转移信贷的风险。在我国，小额贷款还在发展的初级阶段，文章主要分析的是我国的小额贷款发展的实际情况，并且，参考了国外的经验，和我国的实际情况，不断研究我国小额贷款机构发展的实际情况，对我国的小额贷款保险情况作出了分析，对我国现有的小额贷款情况的制约因素进行了分析，提出了自己的解决办法，在一定程度上对小额保险在我国农村地区的实施提供了重要作用。关键词：农村；小额信贷；贷款保险Abstract21Since loans in rural areas generally use credit loans, such credits have a huge risk for the microfinance institutions in the rural financial market. This kind of actual situation makes it difficult for farmers to make loans in many cases. At the same time, it needs to be seen that a small amount of loan insurance has become a new way for the Bank of China to protect the credit cooperatives in rural areas and other places.In China, microfinance is still in the initial stage of development. The article mainly analyzes the actual situation of the development of microfinance in China. It also refers to the experience of foreign countries and the actual situation in China and continuously studies the development of microfinance institutions in China. We analyzed the situation of China's micro-loan insurance, analysed the constraints of China's existing micro-loan situation, and proposed its own solutions, to a certain extent, the micro-insurance in rural areas in China. The implementation of the area provided an important role.Key words:rural areas; microcredit; loan insurance第 1 章 绪论32第一节 研究意义我国目前的小额信贷保险尽管存在但是有着诸多问题，尤其是农...