【摘要】：信用保證保險(xiǎn)起源于歐美發(fā)達(dá)國家,在國外已形成與壽險(xiǎn)、財(cái)險(xiǎn)并駕齊驅(qū)的第三大核心業(yè)務(wù)險(xiǎn)種,但在我國的發(fā)展歷程較短,且發(fā)展過程一波三折。在目前我國財(cái)險(xiǎn)市場經(jīng)營結(jié)構(gòu)不合理,核心業(yè)務(wù)車險(xiǎn)的發(fā)展動(dòng)力不足以及承保利潤率逐年下降的背景下,發(fā)展非車產(chǎn)險(xiǎn)不失為一種明智之舉。非車產(chǎn)險(xiǎn)中農(nóng)業(yè)保險(xiǎn)的政策性較強(qiáng),增加該業(yè)務(wù)的承保比例難度較高,而財(cái)產(chǎn)險(xiǎn)中的信用保證保險(xiǎn)近幾年在政策鼓勵(lì)和市場需求的雙重驅(qū)動(dòng)下,大有復(fù)蘇之勢,已日益受到政府和各家保險(xiǎn)公司的重視。雖然該業(yè)務(wù)的發(fā)展前景廣闊,但該業(yè)務(wù)發(fā)展緩慢,所具有的融資增信功能尚未得到充分發(fā)揮。正確分析和認(rèn)識(shí)信用保證保險(xiǎn)發(fā)展中存在的問題,找到促進(jìn)信用保證保險(xiǎn)健康發(fā)展的正確思路,是當(dāng)前政府關(guān)注的側(cè)重點(diǎn),也是理論界著重研究的重要課題,S保險(xiǎn)公司河北分公司近幾年業(yè)務(wù)發(fā)展動(dòng)力不足,市場競爭力有所下降,作為利潤增長點(diǎn)的信用保證保險(xiǎn)業(yè)務(wù)又發(fā)展緩慢,其業(yè)務(wù)發(fā)展特點(diǎn)具有一定的代表性,為此選擇S保險(xiǎn)公司河北分公司進(jìn)行調(diào)研。本文首先對(duì)我國信用保證保險(xiǎn)業(yè)務(wù)的發(fā)展現(xiàn)狀和發(fā)展前景進(jìn)行了分析,然后通過對(duì)S保險(xiǎn)公司河北分公司信用保證保險(xiǎn)業(yè)務(wù)的發(fā)展情況進(jìn)行調(diào)查,發(fā)現(xiàn)其業(yè)務(wù)發(fā)展過程中主要存在人員配置體系不完善、經(jīng)營成本高、經(jīng)營風(fēng)險(xiǎn)大、社會(huì)征信服務(wù)體系不健全和宣傳力度及帶動(dòng)效應(yīng)不足等問題,并有針對(duì)性的提出了建立完善的人員配置體系、發(fā)揮自身優(yōu)勢,降低經(jīng)營成本、建立完善的風(fēng)險(xiǎn)控制體系、利用互聯(lián)網(wǎng)技術(shù)構(gòu)建征信系統(tǒng)和整合各方力量宣傳推動(dòng)業(yè)務(wù)發(fā)展等發(fā)展建議,希望本文的研究結(jié)果對(duì)信用保證保險(xiǎn)業(yè)務(wù)的健康發(fā)展提供一定的參考價(jià)值。
[Abstract]:Credit guarantee insurance originated from developed countries in Europe and the United States, and has formed the third largest core business insurance in foreign countries, which keeps pace with life insurance and property insurance. However, the development process of credit guarantee insurance in China is relatively short, and the development process is twists and turns. Under the background of unreasonable management structure of property insurance market, insufficient driving force of core business automobile insurance and decreasing underwriting profit rate year by year, it is a wise move to develop non-car property insurance. The policy of agricultural insurance in non-automobile property insurance is stronger, and it is difficult to increase the underwriting ratio of this business. In recent years, the credit guarantee insurance in property insurance has greatly recovered under the dual drive of policy encouragement and market demand. It has been paid more and more attention by the government and various insurance companies. Although the development prospect of the business is broad, but the development of the business is slow, and its financing credit function has not been fully developed. To correctly analyze and understand the problems existing in the development of credit guarantee insurance and find the right way of thinking to promote the healthy development of credit guarantee insurance is not only the focus of the current government's attention, but also the important research topic in the theoretical field. S Insurance Company Hebei Branch's business development motivation is insufficient in recent years, market competitiveness has declined, as a profit growth point of credit guarantee insurance business has been slow development, its business development characteristics have a certain representativeness. For this choice S insurance company Hebei Branch for research. This paper first analyzes the current situation and prospect of the credit guarantee insurance business in China, and then investigates the development of the credit guarantee insurance business of the S Insurance Company Hebei Branch through the investigation of the development situation of the credit guarantee insurance business of the S Insurance Company Hebei Branch. It is found that the personnel allocation system is not perfect, the operating cost is high, the management risk is high, the social credit service system is not perfect, and the propaganda and driving effect is insufficient, and so on in the course of its business development. And put forward to establish a perfect personnel allocation system, give play to their own advantages, reduce operating costs, establish a perfect risk control system, It is hoped that the research results of this paper can provide some reference value for the healthy development of credit guarantee insurance business by using Internet technology to construct credit information system and integrating all parties' strength to propagate and promote business development.
【學(xué)位授予單位】：河北金融學(xué)院
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F842.3

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