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农村小额保险作为一种新型保险项目,具有商业性和公益性的双重特征,是新农村发展中的一项重要扶贫措施,可以有效降低农村小额信贷的风险。但目前它们缺乏有效的协同发展。本文就农村小额信贷与小额保险的协同发展现状及原因进行了分析,并提出了双方形成协同发展新机制的建议。
As a new type of insurance, rural micro-insurance has the dual characteristics of commerciality and public welfare. It is an important poverty-alleviation measure in the development of new countryside and can effectively reduce the risk of rural micro-credit. However, at present, they lack effective coordinated development. This paper analyzes the status quo and reasons for the synergetic development of rural microfinance and microinsurance and puts forward some suggestions on how to develop a new mechanism for synergetic development.