本文關(guān)鍵詞：我國小額信貸保證保險的定價研究　出處：《安徽財經(jīng)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 小額信貸保證保險 定價 預(yù)期損失定價模型

【摘要】：在當前不斷推進銀保合作的大背景下,小額信貸保證保險作為一種針對小額信貸機構(gòu)而設(shè)計的金融服務(wù)方式,已成為銀行業(yè)和保險業(yè)之間互相合作,不斷開辟新市場的重要手段。小額信貸保證保險通過將保險機制引入小額信貸機構(gòu),有效轉(zhuǎn)嫁了其面臨的信貸風(fēng)險,同時也為貸款主體發(fā)生意外事故提供了保險保障。但是,小額信貸保證保險作為一種新生事物,目前國內(nèi)對其研究大多集中在制度安排以及實施可行性等方面,小額信貸保證保險要想在我國迅速發(fā)展開來,還必須加強對保險公司定價問題的研究。因此,本文對小額信貸保證保險的定價進行研究具有重要的意義。 本文首先從我國小額信貸保證保險的理論基礎(chǔ)出發(fā),介紹了我國小額信貸保證保險的界定、種類及特征,并對我國小額信貸保證保險的發(fā)展現(xiàn)狀和制約因素進行分析。然后在此基礎(chǔ)上,結(jié)合我國國情,對我國小額信貸保證保險針對農(nóng)業(yè)生產(chǎn)經(jīng)營者這一特定目標群體進行了經(jīng)濟學(xué)意義上的分析,包括對我國小額信貸保證保險的供求分析、開展條件分析以及“助推效用”分析。接著針對我國小額信貸保證保險的實際情況,對其定價技術(shù)和定價方法進行了選擇,并基于預(yù)期損失定價模型對我國小額信貸保證保險的定價進行實證研究。最后,針對我國小額信貸保證保險定價中存在的問題,提出了一些對策建議。
[Abstract]:Under the background of promoting the cooperation of bank and insurance continuously, microfinance guarantee insurance, as a kind of financial service mode designed for micro-credit institutions, has become the mutual cooperation between banking and insurance industry. Microfinance guarantee insurance is an important means to open up new market. By introducing the insurance mechanism into microfinance institutions, microcredit guarantee insurance can effectively transfer the credit risk it faces. At the same time, it also provides insurance protection for the loan subject accident. However, microfinance guarantee insurance as a new thing, most of the domestic research on its institutional arrangements and implementation feasibility and so on. If microfinance guarantee insurance is to develop rapidly in China, it is necessary to strengthen the research on the pricing of insurance companies. Therefore, it is of great significance to study the pricing of micro-credit guarantee insurance in this paper. This paper first introduces the definition, types and characteristics of micro-credit guarantee insurance in China from the theoretical basis of micro-credit guarantee insurance. And the development of micro-credit guarantee insurance in China and the constraints of the status quo are analyzed, and then on this basis, combined with the national conditions of our country. This paper analyzes the micro-credit guarantee insurance of our country in the economic sense, including the supply and demand analysis of the micro-credit guarantee insurance in our country, aiming at the specific target group of agricultural production and operator. Then, according to the actual situation of micro-credit guarantee insurance in China, the pricing technology and pricing method are selected. Based on the expected loss pricing model, this paper makes an empirical study on the pricing of micro-credit guarantee insurance in China. Finally, some countermeasures and suggestions are put forward in view of the problems existing in the pricing of micro-credit guarantee insurance in China.
【學(xué)位授予單位】：安徽財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4;F842.6

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本文編號：1434094