The Research Of Cooperation Development About Credit Insurance And Bank Factoring In China

Since the economy and finance are developing very quickly, more and more trade activities choose the trade credit or bank credit to be the transactions. Financial industry also has the trend of mixed operation, the different financial insistent hope to develop the market quotient and improve the economy benefit through the cooperation. the bank-insurance as the mixed operation production between banks and insurance company developed very quickly this years. Now the commercial bank is seeking more innovations of trade financial operation, the insurance company also wants to earn more premium income from the credit trade. The writer thinks that insurance companies and commercial banks could have the more deeply cooperation in the field of trade. Since credit insurance and bank factoring are two manners which have the characters of complementary and competition between them. If we can sink adequately about their feasibility and modes, it may develop the ability of earning and competitiveness about commercial banks and insurance companies, also can advance the bank-insurance productions, and promote the financial mixed operation trend at the same time. There is little scholars who studied the cooperation of credit insurance and bank factoring. How to analyze it in the theory and practice, it is a very important task.This discourse discusses the cooperation of credit insurance and bank factoring in our country in the base of existing study harvest. Chapter1is the forward discourse, primarily discusses the background and meaning about choose this title, coordinate and analyze the literatures which are existed, bring forward the study scheme. Chapter2discuss our country’s trading develop of home and abroad market, the actuality of financial mixed operation, the actuality of society credit system construction, the development actuality of credit insurance and bank factoring. Chapter3analyzes the impediments about them to cooperation, such as the dynamics of government’sustain and intendance, not enough of credit trade, the unconsummated of financial market, not enough of trade and management, unconsummated of credit system, the competitiveness of them, the deletion of people’s sense and so on. Chapter4analyzes the necessity and feasibility of the deeper cooperation about credit insurance and bank factoring from different points of view. From four aspects to discuss the necessity, such as the trend of financial mixed operation, the demand of them as the development of our country’s economy, the bank choose to improve the competitiveness and the insurance company choose to develop the insurance industry; and from some aspects to discuss the feasibility such as the cooperation sense is more swell of banks and insurance companies, the complementarities about them, the development of them in the abroad to afford experience not only the credit insurance, but also the bank factoring and bank-insurance cooperation. Chapter5finds out some field and style innovatively about the cooperation of them, such as the productions and businesses, the risk management, and other fields. Chapter6finds out several policy suggestions in order to develop the cooperation of credit insurance and bank factoring. This points of view include country policy,credit system construction, and the lays of bank and insurance company.