Gansu Provincial agriculture development model bancassurance symbiosis
|Keywords||Gansu Province Agriculture Bancassurance Symbiotic development Mode|
Efficient and high quality financial services to the rural economy of rural health and sustainable development. Rural credit institutions and insurance companies as the supply of financial services in rural areas of the two main micro system , and its symbiotic relationship symbiotic model development and operation of a direct impact on rural financial resource allocation and efficiency of use . Gansu Province in agricultural production risks from natural hazards , the main labor force in rural households and rural businesses and personal risk of property loss risks make rural financial institutions face greater risks of agriculture-related loans , the impact of agriculture-related loans of rural credit institutions to provide the enthusiasm . Insurance will be the introduction of agriculture development bank and insurance mutual symbiotic system is not only able to procure insurance company in Gansu Province to expand rural insurance market to promote sales of agriculture-related insurance products , while also capable of Gansu Province, rural credit institutions for business cooperation , reducing the credit institutions involved agricultural loan risks . Not only conducive to the realization of both mutual benefit and common development, but also conducive to resolving Gansu Province rural financial supply and demand issue. This paper is divided into five parts. The first part describes the research background and significance , research review and research ideas ; second section outlines the development of agriculture- related bancassurance symbiosis theory , research and analysis for the later theoretical foundation ; third part analyzes involved in Gansu Province agricultural credit and the development of agriculture-related Insurance status and existing difficulties, then put forward Gansu agriculture development bank and insurance symbiotic necessity and practical feasibility ; fourth section presents the development of agriculture-related symbiotic bancassurance model defined and combined Gansu Province Rural economic Development and Rural Finance development Status agriculture in Gansu province symbiotic development bancassurance model and derive the basic mode selection and operation mode proposals ; fifth part in a targeted manner from the growth of symbiotic unit , optimizing the symbiotic community with improved symbiotic environmental dimensions , Gansu Province, proposed the development of agriculture-related bancassurance symbiotic mode safeguards.