The Research On The Development Of The Personal Credit Insurance In China

The personal credit insurance is an insurance business which underwriting the natural's credit risk in economic activities , It has a great meaning to avoid the credit risk of bank, safeguard the interests of economic activities, expand the domestic demand, promote the personal consumption credit and the house credit. Meanwhile, the personal credit insurance which actively connects the insurance company and the financial markets as an insurance business, which communicate the insurance business with the financial market as an important channel, has become a big breakthrough of the insurance's growth in China. Although, we have launched several types of personal credit insurance product, but they have ropey. So, the research on the obstacles and relevant proposals of the personal credit insurance, has an important practical significance , it's favorable to the growth of our country's economy and insurance business.This paper is mainly divided into five parts:The first chapter:introduction. First of all, it introduces the background and the practical significances of the research on the personal credit insurance; Secondly, the chapter reviews the now researches both domestic and abroad , On the basis of which,the author wants to deepen the research on the personal credit insurance;Thirdly ,it introduces the paper's main content and framework; Finally, stating the innovative and Insufficient points of this paper, the author wants to improve in the later.The second chapter, the overview of the personal credit insurance. This chapter systematically expoundes the personal credit insurance. Firstly of all, it expounds the definition of the personal credit insurance.Secondly ,it sums up the characteristics of the personal credit insurance :one is the particularity of the risk insured; the other is the particularity of the manage. Then introduces the main products of the personal credit insurance: which is divided into the personal shortterm loans guarantee insurance,the personal comprehensive loan guarantee insurance, the personal travel loan guarantee insurance, the personal guarantee insurance, the personal car loan guarantee insurance ,the personal housing loan guarantee insurance. Finally, it introduces the functions of the personal credit insurance. Such as expanding the scale and the scope of the credit transaction, perfect the credit operation mechanism, cuting the transaction costs, promoting the social credit system, the extension of both the Banks and the insurances.The third chapter, The research on the necessity and the obstacles of the personal credit insurance's development in china.It firstly demonstrates the necessities of the development from the points of expanding the domestic consumption demand ,the insurance system,the credit risk of bank,the social credit and the harmonious social.Then it analyzes the present situation of the personal credit insurance in china,and finally Pointes out it's Restriction factors, such as the deficient of the personal credit system, the lack of the independent legal support, the high-premium restricting. This chapter finds out the crux ,that hinder the development of our country's personal credit insurance , it laids a foundation for the later research.The fourth chapter, Experiences that wo can learn from the development of the personal credit insurance oversea.Through elaborating the development of the personal credit insurance of United States,Canada,France and Britain, this chapter summarizes the usefull experiences :The perfect risk management system,The financing depending on the bonds,The standardized individual credit system, The legalization personal credit insurance system, The design of suitable new categories. It's important for us to develop the personal credit insurance. The fifth Chapter,The proposals to develop the personal credit insurance in china.On basis of the above chapters,this chapter puts forward the proposals of the personal credit insurance's development aim at the existing obstacles, Which includes perfecting the individual credit system, improving the operation mechanism, redoubling efforts to control risk, practiseing the specialized operation. It provide theoretical support for us to develop the personal credit insurance.Before the prevention of risk and the market stabilization , It will promote the development of the personal credit insurance in China.