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资料显示,我国每年因自然灾害给农民造成的直接经济损失达400亿元,重灾年份则高达600亿元以上,农业的弱质性、高风险性可见一斑。这与我国农业生产规模小、技术含量低、缺乏保险机制密切相关。随着农业结构调整步伐的加快,以农业产业化为特征的规模型农业、高科技农业以及个体私营企业呈现勃发之势,农民对资金的需求日益增长。作为直接为“三农”服务的农村信用社,由于缺乏科学合理的信贷保障机制,出于风险防范考虑,不同程度地存在“惜贷”现象,成为农村经济健康稳定发展的桎梏。因此, 建立和完善我国农村信贷保险保障机制成为一项紧迫而重要的任务。
Statistics show that the direct economic losses caused by natural disasters to peasants in our country amount to 40 billion yuan every year and those with heavy disasters reach as high as 60 billion yuan. The weak and high-risk nature of agriculture is evident. This is closely related to the small-scale agricultural production in our country, low technical content and lack of insurance mechanism. With the acceleration of the pace of structural adjustment in agriculture, scale agriculture, high-tech agriculture and individual and private-owned enterprises, characterized by industrialization of agriculture, are in full swing. Their demand for capital is growing day by day. As a rural credit cooperative directly serving “agriculture, rural areas and farmers”, due to the lack of a scientific and reasonable credit guarantee mechanism, due to the risk prevention considerations, there exists the phenomenon of “looting loans” to varying degrees and become the unhealthy and steady development of rural economy. Therefore, establishing and improving the guarantee mechanism of rural credit insurance in our country has become an urgent and important task.