| On the basis of policy sorting, based on typical cases and 2012-2020 inter-provincial panel data in China, the effect of the agricultural "insurance + credit" policy on the development of agricultural credit was analyzed for typical provincial "points" and the national "surface" threshold test.The results show that: At the level of typical case analysis, agricultural "Insurance+Credit" has formed a practical model of "policy agricultural insurance+loans for agriculture, forestry, animal husbandry and fishery+financial subsidies",this model is based on the premise that farmers buy policy oriented agricultural insurance, and is guaranteed by the government's premium subsidy for agricultural insurance and agricultural loan discount; In the national test level, agricultural "Insurance+Credit" policy has a significant positive effect on agricultural credit, but this effect will be affected by the double threshold effect of the development level of agricultural insurance. That is, there is a moderate optimal level of influence of agricultural "Insurance+Credit" on agricultural credit. Further mechanism analysis shows that the effect of agricultural insurance smoothing the fluctuation of farmers' income is an important reason for the existence of the double threshold effect of agricultural insurance development level. It is suggested to focus on improving the density and depth of agricultural insurance on the one hand, and on the other hand, improve the completeness of agricultural insurance contracts, carry out agricultural insurance service innovation and learn from international experience, in order to achieve the optimal effect of agricultural "insurance + credit" in supporting the development of agricultural credit. |