论文部分内容阅读
2009年6月陕西省开始实施“银保富”试点项目,探索银保互动新模式,推进陕西设施蔬菜发展。本文以在陕西省西安市长安区和咸阳市泾阳县所做调查为基础,通过对样本的统计分析,对农户参与“银保富”项目的情况进行了大致描述,分析了项目实施过程中存在的问题。调查发现,相关部门对“银保富”宣传力度不足,宣传途径单一;保险公司理赔不及时,理赔金额、承包范围不合理;贷款手续繁琐,贷款额度小,期限短,利率高。针对以上问题,本文提出相关对策及建议。
In June 2009, Shaanxi Province started to implement the pilot project “Yin Bao Fu” to explore a new mode of bank-insurance interaction and promote the development of vegetable facilities in Shaanxi. Based on the survey done in Chang’an District of Xi’an City in Shaanxi Province and Jingyang County in Xianyang City, this paper describes the sample of farmers’ participation in the project of “Yin Bao Bao Fu” through the statistical analysis of the samples, and analyzes the process of project implementation Problems. The survey found that the relevant departments did not have enough publicity efforts on “Yin Bao Fu” and had a single propaganda channel. Insurance companies did not pay claims in time, the amount of claims and the scope of contracting were irrational. Loan procedures were cumbersome, loan lines were short, and the term was short and interest rates were high. In view of the above problems, this paper puts forward some countermeasures and suggestions.