中文摘要：

基于银保互动和前景理论，本文首先分析有信贷保险产品之后信贷保险供求双方发生的变化，得出信贷保险可以在一定程度上增加金融机构的信贷供给意愿，但农户只有在突破保费成本约束和理赔预期约束之后才会选择参与信贷保险、进而选择借贷。其次，选取安徽省F县的草莓种植“信贷＋保险”案例进行分析，对上述结论进行进一步验证。最后，给出结论及相关政策建议。

英文摘要：

Based on the bank-insurer interaction and the prospect theory, this paper firstly analyzed the supply side and demand side changes brought about by the launch of credit insurance product. The conclusion was that credit insurance could increase the financial institutions＇ willingness to increase credit supply to some extent. However, farmer＇s participating in credit insurance had two constraints, namely insurance cost constraint and expected claim constraint. They would choose to participate in credit insurance, and then apply for bank loans only when they broke away from these two constraints. The paper analyzed the case of strawberry credit insurance in county F, Anhui province to further validate the conclusions. Finally, some policy recommendations were put forward.