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“信贷+保险”是一种银行类金融机构、保险公司、政府与农户共同分担风险的信贷风险管理机制。本文选择安徽省长丰县草莓种植信贷保险(以下简称“草莓险”)为案例,首先从金融生态视角出发从内部动力源、外部动力源和金融生态环境三方面分析“草莓险”可持续发展的动力来源;其次结合实地调研的情况探究“草莓险”在发展过程中遇到的内外部制约因素和问题;最后,结合当地的实际情况提出对策建议。
“Credit + Insurance ” is a credit risk management mechanism that banks, financial institutions, insurance companies, governments and farmers share in risk. This paper chooses the case of Strawberry Planting Credit Insurance (hereinafter referred to as “Strawberry Insurance”) in Changfeng County of Anhui Province. Firstly, from the perspective of financial ecology, this paper analyzes “Strawberry Insurance” from three aspects: internal power source, external power source and financial eco- Sustainable development of the source of power; secondly, combined with field research to explore “strawberry insurance ” encountered in the development process of internal and external constraints and problems; Finally, combined with local conditions to put forward countermeasures and suggestions.