我国小额信贷保证保险的定价研究

发布时间：2018-01-16 17:23

本文关键词：我国小额信贷保证保险的定价研究　出处：《安徽财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：在当前不断推进银保合作的大背景下,小额信贷保证保险作为一种针对小额信贷机构而设计的金融服务方式,已成为银行业和保险业之间互相合作,不断开辟新市场的重要手段。小额信贷保证保险通过将保险机制引入小额信贷机构,有效转嫁了其面临的信贷风险,同时也为贷款主体发生意外事故提供了保险保障。但是,小额信贷保证保险作为一种新生事物,目前国内对其研究大多集中在制度安排以及实施可行性等方面,小额信贷保证保险要想在我国迅速发展开来,还必须加强对保险公司定价问题的研究。因此,本文对小额信贷保证保险的定价进行研究具有重要的意义。本文首先从我国小额信贷保证保险的理论基础出发,介绍了我国小额信贷保证保险的界定、种类及特征,并对我国小额信贷保证保险的发展现状和制约因素进行分析。然后在此基础上,结合我国国情,对我国小额信贷保证保险针对农业生产经营者这一特定目标群体进行了经济学意义上的分析,包括对我国小额信贷保证保险的供求分析、开展条件分析以及“助推效用”分析。接着针对我国小额信贷保证保险的实际情况,对其定价技术和定价方法进行了选择,并基于预期损失定价模型对我国小额信贷保证保险的定价进行实证研究。最后,针对我国小额信贷保证保险定价中存在的问题,提出了一些对策建议。
[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.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4;F842.6

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