Our Insurance Company Customers Credit Management

Credit is important for the economic development, but the problems of discredit in our country at present are very serious. 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, especially in the customer credit management of insurance credit.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 competition in our country. Insurance consumers are the basis of development of insurance companies, so the insurance customer credit management is very essential. But at present carrying on special study on this field is rare at home and abroad.The leaders of commercial insurance companies specially attach importance to credit. Customer credit management can defend liquidity and security, keep away risk of credit. To some extent, the performance of insurance customer credit management directly affects the performance of insurance management. Therefore, how to evaluate the performance of insurance customer credit management is a very important problem. From theory research today, we attach importance to the customer credit management of insurance companies.This paper proceeds with basic theories of credit and insurance credit and analyzes the facts about insurance credit and the forms of...