中文摘要：

改善农户信贷配给、提高农户信贷获得性是农村金融改革的目标。首先阐述农业信贷与保险互联这种金融创新的国内外经验,其次构建了抵押品替代与个体声誉信号传递博弈分析框架,采用江苏、湖北两省的农户调研数据,实证检验了＂农业信贷＋人身意外险＋政策性再保险＋财政保费补贴＂的信贷与保险互联模式,结果表明：其能够有效改善农户风险配给,提高农户获得信贷的概率。

英文摘要：

Improving farmers′credit rationing and increasing farmers credit availability is the goal of deepening the reform of rural financial markets.This paper,firstly,described the financial innovation：The inter-linked agricultural credit and insurance′s domestic and international experience,followed up with building an analytic framework of collateral substitution and individual reputation signaling game.With the rural household survey data from Jiangsu and Hubei provinces,we proceeded with the empirical test of the mode ＂agricultural credit＋personal accident insurance＋reinsurance policy＋financial subsidies＂,and the results showed that：The inter-linked agricultural credit and insurance had their ability to effectively improve the farmers risk rationing which leads to increasing the probability of farmers′ credit availability.