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河北省张家口市近年来积极推广农业保险,相当比例的农户持有农业保险保单,与此同时,由于生产规模小,农户融资困难成为农业发展的瓶颈。在这种情形下,张家口市财政局与相关金融机构积极探索开展“保险+信贷”工作,尝试开发农业保险保单的质押贷款功能,收到较好的效果,一定程度上化解了农户信贷瓶颈难题。农业保险保单质押功能的实现还调动了农户投保农业保险的积极性,有效支持了农业发展。结合张家口市农业保险
In recent years, Zhangjiakou City, Hebei Province, has actively promoted agricultural insurance. A considerable proportion of farmers have agricultural insurance policies. At the same time, due to the small scale of production, farmers’ financing difficulties have become bottlenecks in agricultural development. Under such circumstances, the Finance Bureau of Zhangjiakou City and relevant financial institutions actively explored the work of “insurance + credit” and tried to develop the pledged loan function of agricultural insurance policies, which received good results and to some extent solved the problem of farmers’ credit Bottleneck problem The pledge of agricultural insurance policies also mobilized the enthusiasm of farmers to insure agricultural insurance and effectively supported the development of agriculture. Zhangjiakou City, with agricultural insurance