Abstract: In practice, C County in Anhui Province designed an interlinked credit and insurance project on strawberry growing loans based on multi- guarantee system to connect farmers’ cooperatives, rural banks and insurance companies, thus effectively promoting the cooperation between banks and insurance companies. Our investigation reveals that interlinked credit and insurance in C County can not only effectively reduce credit risk and expand effective supply of rural bank, but also extend marketing channels of insurance companies. Therefore the C County pattern is beneficial for the common developments of farmers, rural banks and insurance companies

摘要： 在实践中，安徽C县结合本地特色农业特点，设计了多重保证下的银保互动草莓贷款项目，联结农户、村镇银行和保险公司，推动银行和保险公司的有效合作。本文调查结果发现，多重担保下的小额信贷能够有效降低村镇银行的信用风险和扩大其有效供给，拓展保险公司的营销渠道，C县模式有利于农户、农村金融机构和保险公司的共同发展。