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本文以陕西省“安贷宝”调研为基础,发现“安贷宝”的总量和覆盖范围迅速扩大,理赔数量和金额增长更快。“安贷宝”在规避农户和信用社贷款风险、拓展农村保险市场、维护农村经济稳定发展等方面起到了积极的作用,但也存在获赔条件苛刻、贷款周期短、费用较高和不能很好地规避贷款农户的贷款风险等问题,为此,建议把“安贷宝”保费纳入国家农业保险支持范围、降低相关保险费用、扩大“安贷宝”的风险可保范围,以破解“安贷宝”未来发展难题。
Based on the investigation of Shaanxi Province, “Anbao Bao”, this paper finds that the total amount and coverage of “Anbao Bao” rapidly expand, and the amount and amount of claim settlement increase more rapidly. “Anbao Bao ” has played a positive role in avoiding the loan risks of farmers and credit cooperatives, expanding the rural insurance market, and maintaining the stable development of rural economy. However, there are also many problems such as demanding conditions for obtaining compensation, short loan period, high expenses and Therefore, it is suggested that the inclusion of “Anbao Bao ” premium in the scope of national agricultural insurance support, the reduction of related insurance costs, and the expansion of the risk of “Anbao Bao ” can be protected Range to crack the “security loan” the future development of the problem.