Author(s)

GaoYan Liu, Jiao Qin^*

Affiliation(s)

School of Economics and Management, Jiangxi Agricultural University, Nanchang 330045, Jiangxi, China.

Corresponding Author

Jiao Qin

ABSTRACT

This paper takes the agriculture-related credit business of BZ City Rural Commercial Bank as the main research object, starting from the supply side of agriculture-related credit, relying on the "China Insurance Yearbook", "BZ City Rural Commercial Bank Financial Annual Report" and "BZ City Rural Statistical Yearbook" Based on the data support, select the relevant data representing the agricultural insurance premium income, agricultural production value, agricultural credit balance of BZ City Rural Commercial Banks from 2012 to 2021 as indicators, establish a VAR model, and perform pulse effect analysis variance decomposition analysis on this basis. This explores the synergistic relationship between agricultural insurance, agricultural credit and agricultural development. The empirical results show that: (1) agricultural insurance has a positive role in promoting agriculture-related credit of agricultural commercial banks in BZ city; (2) agricultural-related credit of agricultural commercial banks in BZ city has no obvious effect on promoting agricultural insurance, and the synergistic effect between the two remains to be seen. Strengthen; (3) Agricultural insurance and agricultural credit of BZ City Rural Commercial Bank have a strong pulling effect on agricultural development; finally, based on the results of empirical analysis, this paper starts from the construction of a perfect legal system, a perfect guarantee mechanism, and a perfect development. The three aspects of the mechanism summarize the policy suggestions for the coordinated development of agricultural insurance and agricultural credit in BZ City Rural Commercial Bank.

KEYWORDS

Agricultural insurance; Agricultural credit; Coordinated development

CITE THIS PAPER

GaoYan Liu, Jiao Qin. An empirical study on the coordinated development of agriculture-related credit in BZ city rural commercial bank through the "bank-insurance" linkage credit enhancement model. Trends in Social Sciences and Humanities Research. 2024, 2(11): 56-69. DOI: https://doi.org/10.61784/tsshr3116.

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