Construction Of Our Country's Insurance Credit System

The modern market economy is the one that credit has developed highly, and credit is the basis and tie of that kind of economy. As the important part of the modern finance system, insurance industry operates the risk and the credit on of basis of "Great Credit" at the same time, therefore it needs credit much more than other industries. We can say that credit is the foundation of the insurance industry. Our insurance industry is in the process of speedy development, but we can't neglect one matter that lack of insurance credit — credit condition of the principal part is not satisfied, the insurer and the public are greatly lack of credit consciousness, insurance credit level is low as whole, the system of insurance credit isn't healthy, which problems not only do harm to the parties in the insurance activities, but also disturb the normal order of insurance market, and restrict the sound, healthy and rapid development of the insurance credit system. So through cultivating the insurance credit consciousness by various ways, perfecting the all kinds of the regulations and laws, setting up sound credit management, publishing the action of "loss of credit", providing effective credit services, construction of the insurance credit system is the urgent task that our insurance market faces, which also is the imminent need of the ensure of the stableness of society and sound development of the economy.This paper consists of four paragraphs. The first one begins with probing into the basic theory what the credit is. It discusses the meaning and characteristic about credit in detail in the first. Then it makes a transition to the system of society credit and points out the importance of the construction of the system. Secondly it presents the developing setting and status of the society credit in our country. Meanwhile the problem is brought forward that exists in the construction of society credit. The second paragraph accounts for the intimate relationship between credit and insurance. In this one, it makes elaborate analyses of the two basic concepts, insurance credit and its system. It points out the significance that the construction of insurance credit system will give improving economy efficiency and promoting the development of nation insurance. The method of data analyzing is managed in the third paragraph, which give analysis and contrast in vast data. It illuminates the speedy expand of insurance market in our country in past years. The insurance credit systems have been set up in many places. But some problems occur that focus on the absence of insurance credit. After the account, it analyzes the absence in the point of view of macro and microcosmic (about the attendance of insurance market). The reason is the faultiness of related macro condition, the morbidity of the manage system of interior credit, the nonstandard of deputy management, the lack of the agency service of qualifications evaluating. Then the article discusses how to construct and consummate insurance credit system from six aspects, such as how to construct the modem enterprise system, how to improve the venture management in insurance company, how to heighten the information transparency. It particularly discusses the basic concept of the insurance credit checking, the work principle of that system and the risk model, and gives some advice to the building of our country's insurance checking system at last.