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本刊讯日前,中国银监会和中国保监会联合发布了《关于加强涉农信贷与涉农保险合作的意见》(以下简称《意见》)。这是银监会和保监会贯彻落实中央农村工作会议和今年中央1号文件精神,围绕改进“三农”金融服务和支持社会主义新农村建设出台的重要措施,其目的在于引入涉农保险机制,分散银行业金融机构涉农信贷风险,提高农村借款人贷款的可获得性,进一步改善农村“贷款难”问题。
Recently, China Banking Regulatory Commission and China Insurance Regulatory Commission jointly issued the “Opinions on Strengthening the Cooperation of Agricultural Credit and Agricultural Insurance” (hereinafter referred to as the “Opinions”). This is an important measure promulgated by the CBRC and the CIRC to implement the spirit of the Central Rural Work Conference and the document No. 1 of the Central Government this year and focus on improving the “three rural” financial services and supporting the building of a new socialist countryside. Its purpose is to introduce the agricultural insurance mechanism, We will disperse the credit risk of agriculture-related banks in banking institutions, improve the availability of loans to rural borrowers, and further improve the problem of “hard loans” in rural areas.