小微企业贷款保证保险风险控制研究
发布时间：2018-10-18 14:26
【摘要】：小微企业的信贷风险高,很难获得贷款。小微企业贷款保证保险业务作为增信手段,缓解了小微企业贷款难的问题。小微企业贷款保证保险是一种高风险的业务,需要对其进行专业化的风险控制。本文从小微企业和贷款金融机构面临的贷款风险进行分析,保险公司从承保前、承保中和理赔三个阶段进行风险控制。
[Abstract]:The credit risk of small and micro enterprises is so high that it is difficult to obtain loans. As a means of credit enhancement, the loan guarantee insurance of small and micro enterprises alleviates the problem of loan difficulty of small and micro enterprises. Small and micro-enterprise loan guarantee insurance is a kind of high-risk business, need to carry on the specialized risk control to it. This paper analyzes the loan risk faced by small and micro enterprises and loan financial institutions. The insurance company carries on risk control in three stages before underwriting and settling claims.
【作者单位】： 沈阳航空航天大学安全工程学院;
【分类号】：F832.4;F842.682
[Abstract]:The credit risk of small and micro enterprises is so high that it is difficult to obtain loans. As a means of credit enhancement, the loan guarantee insurance of small and micro enterprises alleviates the problem of loan difficulty of small and micro enterprises. Small and micro-enterprise loan guarantee insurance is a kind of high-risk business, need to carry on the specialized risk control to it. This paper analyzes the loan risk faced by small and micro enterprises and loan financial institutions. The insurance company carries on risk control in three stages before underwriting and settling claims.
【作者单位】： 沈阳航空航天大学安全工程学院;
【分类号】：F832.4;F842.682
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