The Research On The Operational Mechanism Of The Automobile Expends-Loan Guarantee Insurance And Its Risk Guard

The automobile expends loan guarantee insurance start late in the automobile insurance market, it is a section new financial product which uses the bilateral resources of the financial organ and the insurance company, and the financial organ, the insurance company, the car dealer, and the person who want to buy the car, each person make profit.But because the risk of automobile expends the loan guarantee insurance high, the inside control level of insurance company is low; the exterior system environment is not mature and so on. The automobile expends loan guarantee insurance goes down after it has experienced the fast development.It is already becoming the most important topic for the insurance to make clear how to guard against the automobile expends loan guarantee insurance risk, maintains the market develop healthy and fast.This article begin with the expends on the operational mechanism of the automobile expends loan guarantee insurance, uses the insurance study, economic, legal science and so on.Analysis the risk and income, the right and the voluntary relations between the main body, analysis how the credit system, the macroscopic economy, the legal framework and so on the factors effect the insurance company controls, and point out where the risk to be at, and proposes the risk guard specific measures from two aspects, the fist one is the insurance company's internal control, the other one is exterior system environment.Generally, the foreword and four chapters compose the thesis:The introduction outlines the reasons for the choice of the subject and its practical significance, elaborates the domestic and foreign research present situation and the research technique and the mentality.First chapter mainly summarize the connotation and the characteristic of the automobile expends loan guarantee insurance, and analyze its economic characteristic and the legal nature, introduce its two important stages in development.Second chapter emphatically analyze the operational mechanism of the automobile expends loan guarantee insurance. According to insured's difference, the installment payment is divided into two kind of operation patterns, using the utilization comparative analysis method, pointing out that the operation pattern with the financial organ will be the real automobile expends loan guarantee insurance, and explain the right and the voluntary relations between various main bodies, pointing out the problem in the operational mechanism.Third chapter introduce in detail the risk the insurance company faces, and subdivides the risk into the system risk with the non-system risk, distinguishing in detail to describe the influence by the system and the non-system risk in each factor to the insurance company.Fourth chapter mainly introduce risk guard strategy and the related system choice of the automobile expends loan guarantee. This chapter first elaborates the risk guard mentality and how insurance company guard against the risk from six aspects, and from exterior system environment angle, proposing the establishment credit system, the explicit legal nature as well as the enhancement these three exterior system choice.The main innovation includes:The first one is taking the loan guarantee safe operational mechanism as the clue, and expends the risk guard as the main research basic point.The second one is discussing the system risk thoroughly with the system risk and non-system risk, producing reason as well as it the influence managing to the insurance company produces.The third one is in view of guarding against risk strategy to propose the risk mentality, and propose inside and outside concurrently. The guard method, on the one hand strengthen the insurance company own management and operation level, establishing control from the inside the system effectively, on the other hand the request consummate exterior system environment.