The Research On Insurance Credit In Our Country

The problems of discredit in insurance in our country at present are very serious. All participants of the insurance transaction, including insurance companies, insurance intermediaries and insurance consumers have serious problems of discredit, which influences the sound development of the insurance and has restricted the promotion of insurance's international competitiveness in our country. But at present carrying on special studying on this question is rare at home and abroad. It is the credit problems of the whole economic field or the bank credit problems in the debt-credit meaning that the foreign scholars paid more attention to. A lot of domestic scholars have already realized the importance of credit. The credit forums of different specifications have been held in all parts of the country. A large number of monographs about credit come out one after another. But there are few special discussions on the credit in insurance. Seldom monographs about the insurance credit come out. This paper proceeds with basic theories of credit and insurance credit and analyzes the facts about insurance credit and the forms of insurance discredit in our country in detail. Then analyzes the reasons why the insurance discredit problems exist and the impacts on the development of insurance in our country. At last puts forward some suggestions to administrate the insurance discredit problems in our country: establishing the insurance credit values that people is at the first place, setting up modern insurance enterprise system, improving the transparency of credit information of the insurance, strengthening the punishment to people or companies which break one's promises in insurance transaction and improving the insurance companies' credit risk management level, etc. Regarding the insurance credit in our country as research object, this paper has strong theoretical meaning and realistic meaning. I hope that what this paper studies can be helpful to more insurance theory workers and practical workers when they probe into the insurance credit problems in our country and therefore promote the development of insurance in our country.