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The Research on the Development of the Personal Credit Insurance in China

Author: WangWenJuan
Tutor: ChiJing
School: Jilin University
Course: Finance
Keywords: Personal Credit Insurance Expanding domestic demand Transfer risk Credit system
CLC: F842
Type: Master's thesis
Year: 2011
Downloads: 97
Quote: 1
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Abstract


Personal credit insurance as the insured natural person credit risk in the economic activity of the insurance business, to circumvent the bank's credit risk, to protect the interests of right holders in economic activity, the expansion of domestic demand, in particular, to promote personal consumer credit, housing credit development is of great significance. At the same time, the personal credit insurance as insurance agencies actively involved in the important business of the financial market activities as one of the important channels of communication of the insurance business and the financial markets, and overall business growth in China's insurance industry has become a breaking point. At present, China has introduced a part of the personal credit insurance products, but its development is limping. Explore the obstacles to development of China's personal credit insurance, learn from the successful experience of developed Western countries based on relevant suggestions, has a very important practical significance for China's economic development and growth in insurance business. The paper is divided into five parts: the first chapter, Introduction. First, this study personal credit insurance background and theoretical and practical significance to the development of China's personal credit insurance; Second, research on existing domestic and foreign personal credit insurance review, on the basis of its deepen China's personal credit insurance; expounded the main content of this paper and paper framework; Finally, the papers of innovation and insufficient statement can be improved in the future. Chapter II, Personal Credit Insurance Overview. This chapter comprehensively and systematically expounded the personal credit insurance. First, the definition of the personal credit insurance. Secondly, summarizes the characteristics of the personal credit insurance: underwriting risk particularity; two operating particularity. Third, the introduction of the personal credit insurance product type: short-term personal loan guarantee insurance, personal consumption loan guarantee insurance, personal travel loan guarantee insurance, personal student loan guarantee insurance, personal automobile consumption credit guarantee insurance, individual housing consumption credit guarantee insurance. Finally, summarizes the function of the personal credit insurance to expand the size and scope of credit transactions, improve the operational mechanism of credit transactions, lower transaction costs, and to promote the establishment of a social credit system, double expansion of the banking and insurance business. Chapter III, the analysis of the need for the development of China's personal credit insurance and obstacles. First, from the angle to stimulate domestic consumer demand, to guard against the risk of bank credit, improve China's insurance system, improve the social credit, and building a harmonious society demonstrates the necessity of the development of the personal credit insurance. Second, the development status of China's personal credit insurance described and analyzed. Finally, it is pointed out that the lack of personal credit system, operation mechanism is not perfect, the lack of independent legal support, the premiums are too high are factors restricting the development of China's personal credit insurance. This chapter to find the crux of our slow progress of the development of personal credit insurance, and laid the foundation for the latter chapters of the study. Chapter IV, development of the foreign personal credit insurance and its Implications for China. First on the United States, Canada, France, the development of individual housing credit insurance in the United Kingdom and characteristics; then summarizes the above countries worth learning experience. This chapter is intended to successful model abroad of emphasis on sound risk management system, bond finance, to regulate personal credit system, improve the personal credit insurance legal systems, design suitable conditions new insurance initiatives important to the development of China's personal credit insurance sex. The fifth chapter, the development of China's personal credit insurance suggestions. Chapter in the above chapter on the basis of our existing obstacles to development, it is proposed to improve the personal credit system, improve the personal credit insurance operation mechanism, strengthen risk management and monitoring the implementation of professional management to develop policy recommendations for China's personal credit insurance. I hope that the above study, it is possible to provide theoretical support for the development of China's personal credit insurance, thus contributing to the insurance industry to continue to steadily promote the fundamental premise of good risk prevention and control, to ensure market stability, the development and improvement of China's personal credit insurance.

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CLC: > Economic > Fiscal, monetary > Insurance > China's insurance industry
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