农村小额信贷是实现农村建设和农户融资的重要手段,它和其他贷款产品一样都存在着风险,如果锁定农民生产经营活动的风险,降低其收入来源的不确定性,适度提高其进入信贷市场的能力,该问题就可以得到缓解,而农业保险可以在此方面发挥积极作用。为此,本文对保险与农村小额信贷相结合的银保结合模式进行了探讨。 Rural microcredit is an important means to realize rural construction and rural household financing. Like other loan products, rural microfinance has risks. If the risk of peasants’ production and business activities is locked and the uncertainty of their sources of income is reduced, their access to the credit market will be modestly increased The problem can be eased and agricultural insurance can play an active role in this regard. To this end, this paper discusses the combination of insurance and rural microfinance bancassurance system.