S保险公司河北分公司信用保证保险业务调研报告

发布时间：2019-02-25 17:49

【摘要】：信用保证保险起源于欧美发达国家,在国外已形成与寿险、财险并驾齐驱的第三大核心业务险种,但在我国的发展历程较短,且发展过程一波三折。在目前我国财险市场经营结构不合理,核心业务车险的发展动力不足以及承保利润率逐年下降的背景下,发展非车产险不失为一种明智之举。非车产险中农业保险的政策性较强,增加该业务的承保比例难度较高,而财产险中的信用保证保险近几年在政策鼓励和市场需求的双重驱动下,大有复苏之势,已日益受到政府和各家保险公司的重视。虽然该业务的发展前景广阔,但该业务发展缓慢,所具有的融资增信功能尚未得到充分发挥。正确分析和认识信用保证保险发展中存在的问题,找到促进信用保证保险健康发展的正确思路,是当前政府关注的侧重点,也是理论界着重研究的重要课题,S保险公司河北分公司近几年业务发展动力不足,市场竞争力有所下降,作为利润增长点的信用保证保险业务又发展缓慢,其业务发展特点具有一定的代表性,为此选择S保险公司河北分公司进行调研。本文首先对我国信用保证保险业务的发展现状和发展前景进行了分析,然后通过对S保险公司河北分公司信用保证保险业务的发展情况进行调查,发现其业务发展过程中主要存在人员配置体系不完善、经营成本高、经营风险大、社会征信服务体系不健全和宣传力度及带动效应不足等问题,并有针对性的提出了建立完善的人员配置体系、发挥自身优势,降低经营成本、建立完善的风险控制体系、利用互联网技术构建征信系统和整合各方力量宣传推动业务发展等发展建议,希望本文的研究结果对信用保证保险业务的健康发展提供一定的参考价值。
[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.
【学位授予单位】：河北金融学院
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.3

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