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中文摘要：
考虑到“农业保险＋涉农信贷”贷款模式下农业保险使得农村信贷机构相关资产组合免受自然灾害风险的影响，构建了“农业保险＋信贷”贷款利率定价模型，并利用MC模拟方法对该贷款模式下利率定价模型参数性质进行数值分析，结果表明：该模式下贷款利率是关于信贷机构的目标支付概率、资本融资成本等因素的递增函数，关于自然灾害的发生频率则呈现递减规律。
英文摘要：
The loan mode of ＂agriculture insurance plus agriculture loan＂ can reduce the natu- ral disaster risk of asset portfolios of rural credit institution. Interest rate pricing model of the loan mode is investigated in the paper. And numerical analysis of parameters properties in the model is done by MC simulation method. The results show that the interest rate is as an increasing function of the probability of target payments and financing cost, and that it is as an decrea- sing function of the strength of natural disasters.
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