Early Warning Mechanism Research To Marketing Credit Risk Of Insurance

As the market system reform and economic develops so fast, like otherproducts, the enterprise has always inherited the "production" and "provision" ofmarketing ideas in marketing development. In order to expand its market share,Insurance must supply the effective insurance products and services for thecustomers. And like most financial companies, credit risk is the risk of financial firmscan not be ignored, because the marketing for businesses is the lifeblood of theentire enterprise, determining the source of economic profits of enterprises,because the stage of the insurance in china is at the beginning of the development.The credit institution-building is still in the imperfect stage. To establish an effectiveearly warning mechanism of credit risk is particularly important.Based on the credit of the insurance industry marketing factors, the article hasdivided the insurance marketing credit risk into three parts: economic and financialdimensions, external and internal environmental Factors dimensions, and finallybuild the warning system for the insurance in china. In order to have more detailedstudy of the credit risk of the insurance industry marketing, the article analysis therisk points form qualitative and quantitative angles. Form the qualitative angles, thispaper uses questionnaire survey to analyze their qualitative indicators, and use thespss17.0to quantify the main factor analysis, and use the factor analysis to ensurethe weight. Statistical description of the survey results shows that we meet thebasic requirements of the study; Method of internal consistency and confirmatoryfactor analysis showed that the questionnaire has high reliability and validity, caneffectively reflect the good of our research question. Form the point of thequantitative, the article uses the regression model to the financial economicindicators the results can be very good response to the validity of data and modelapplicability. Finally, analysis of the model and test the final results obtained, whichfrom its index system for the insurance industry on the marketing of its credit risk measures for the establishment of early warning mechanisms and preventivemeasures.The article analysis the insurance marketing credit risk, combined the financialand the marketing point of view.Trying to build from two angles effectively meet thecredit value of China’s insurance industry measurement model, the establishment ofmarketing, credit risk early warning mechanism, play a Immediately identified risk, tostop the risk from occurring.