小额贷款保证保险风险防范法律制度研究

发布时间：2019-05-29 14:58

【摘要】：推进金融体制改革是十二届人大三次会议的重要议题,完善小额贷款保险保证制度是我国保险制度改革的重要内容。在当前不断推进银保合作的大背景下,小额贷款保证保险已成为推动银行业和保险业互相合作的重要媒介。在我国大力推行小额贷款保证保险制度,不仅有利于降低保险市场的交易风险,而且有助于推动保险体制的改革与创新。保险和贷款相捆绑的模式,既有利于拓展保险公司的金融服务领域,又有利于解决小微企业的融资难题,还有利于保证银行资金的运营安全,因此其实现了小微企业、银行和保险公司三者共赢的局面。但是,由于我国小额贷款保证保险风险防范法律制度的不完善,导致该模式在实践操作中存在诸多风险,包括市场风险、信用风险、操作风险等。本文旨在从法律视角分析小额贷款保证保险存在的风险,并对我国小额贷款保证保险风险防范法律制度存在的问题进行分析,然后在借鉴国外贷款保证保险风险防范法律制度经验的基础上,提出完善我国小额贷款保证保险风险防范的法律制度的具体对策。本文除引言和结论分为四个部分:第一部分为“小额贷款保证保险及其风险防范的概述”。本部分首先利用金融学中的信用理论和风险管控理论对小额贷款保证保险所面临的风险类型进行分析,然后阐明完善我国小额贷款保证保险风险防范法律制度的必要性。第二部分为“我国小额贷款保证保险风险防范法律制度现状及其问题分析”。本部分对我国现有的小额贷款保证保险市场风险、信用风险以及操作风险防范法律制度的现状及其问题分别进行分析,具体包括对政府扶持政策的实施方式、保险公司费率的厘定机制、信用法律体系、银保联合管控机制、保险公司的内控机制以及从业人员的专业水平等问题进行具体分析,以为下文的相关制度完善奠定基础。第三部分为“域外贷款保证保险风险防范法律制度的实践与经验借鉴”。本部分考察了美国、日本和韩国三个国家的贷款保证保险风险防范制度中的具体措施,并总结出可供我国借鉴的宝贵经验。第四部分为“完善小额贷款保证保险风险防范法律制度的具体路径”。本部分针对第二部分指出的我国小额贷款保证保险风险防范法律制度的现状及其问题,在借鉴国外经验的基础上,提出了我国小额贷款保证保险中对市场风险、信用风险和操作风险防范法律制度完善的具体路径。
[Abstract]:Promoting the reform of financial system is an important issue in the third session of the 12th National people's Congress, and perfecting the guarantee system of microloan insurance is an important part of the reform of insurance system in China. Under the background of promoting Bancassurance cooperation, microfinance guarantee insurance has become an important medium to promote the cooperation between banking and insurance industry. Vigorously carrying out the microloan guarantee insurance system in our country is not only helpful to reduce the transaction risk of the insurance market, but also help to promote the reform and innovation of the insurance system. The mode of bundling insurance and loans is not only conducive to expanding the field of financial services of insurance companies, but also conducive to solving the financing problems of small and micro enterprises, and is also conducive to ensuring the safety of the operation of bank funds, so it has realized small and micro enterprises. A win-win situation between banks and insurance companies. However, due to the imperfection of the legal system of microloan guarantee insurance risk prevention in our country, there are many risks in the practical operation of this model, including market risk, credit risk, operational risk and so on. The purpose of this paper is to analyze the risks of microloan guarantee insurance from the legal perspective, and to analyze the problems existing in the legal system of microloan guarantee insurance risk prevention in our country. Then, on the basis of drawing lessons from the experience of foreign legal system of loan guarantee insurance risk prevention, this paper puts forward some concrete countermeasures to perfect the legal system of micro loan guarantee insurance risk prevention in our country. In addition to the introduction and conclusion, this paper is divided into four parts: the first part is an overview of microloan guarantee insurance and its risk prevention. This part first uses the credit theory and risk control theory in finance to analyze the risk types of microloan guarantee insurance, and then expounds the necessity of perfecting the legal system of microloan guarantee insurance risk prevention in our country. The second part is the analysis of the current situation and problems of the legal system of microloan guarantee insurance risk prevention in our country. This part analyzes the current situation and problems of the existing microloan guarantee insurance market risk, credit risk and operational risk prevention legal system, including the implementation of government support policy. The determination mechanism of insurance company rate, the credit legal system, the joint control mechanism of bank insurance, the internal control mechanism of insurance company and the professional level of employees are analyzed concretely, which lays the foundation for the improvement of the relevant system below. The third part is the practice and experience of the legal system of insurance risk prevention of foreign loan guarantee. This part examines the specific measures in the loan guarantee insurance risk prevention system of the United States, Japan and South Korea, and summarizes the valuable experience that can be used for reference by our country. The fourth part is the specific path of perfecting the legal system of microloan guarantee insurance risk prevention. In view of the present situation and problems of the legal system of risk prevention of microloan guarantee insurance pointed out in the second part, on the basis of drawing lessons from the experience of foreign countries, this part puts forward the market risk of microloan guarantee insurance in our country. The specific path of perfecting the legal system of credit risk and operational risk prevention.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.284

【相似文献】