Small Agricultural Credit Guarantee Insurance Underwriting Risk Control

In recent years, rural micro-credit guarantee insurance(hereinafter referred to as small loan insurance) in carrying out the process, due to the lack of effective risk small loan collateral, and high-risk sexual inferiority of agriculture, farmers’ lack of understanding of the small loan insurance Banks and insurance companies as well as the lack of government functions asymmetric information and other reasons, led to a small loan insurance underwriting risks increase, insurance accidents, resulting in small loans to increase the risk of non-performing loan ratio, difficult issues such as loans to farmers, affecting farmers improved living standards and economic development in rural areas. As an insurance company underwriting risk risk benchmark, in order to ensure the smooth development of small loan insurance must be strict underwriting risk control this off.In this paper, case analysis, first by the basic situation of small Lujiang Guoyuan Agricultural Loan Guarantee Insurance analyzed, after understanding Lujiang small loans carry risks as well as the development of the basic meaning of the small loan insurance, mortgage insurance grew implementation process involved in several two actors, including borrowers, government, banks three aspects, namely for small loans of state insurance underwriting risk analysis of the causes. Then from the underwriting risk assessment to determine the responsible departments to determine the scope of the risk assessment, the establishment of the risk assessment process and risk control measures in five studies of state small loan insurance underwriting risk control methods, and small loans of state insurance underwriting risk control processes among analyze the strengths and shortcomings, which describes the underwriting risk control methods from the government, banks, and three areas of state agricultural insurance. Which focuses on the company’s commitment custody of state control proposal, the author of underwriting staff to strengthen the management, improve underwriting management internal control mechanisms to strengthen information gathering and information processing elaborate three proposed Guoyuan strengthen small agricultural credit guarantee companies underwriting risk Control of the basic methods and ideas. Finally, from a special promotion to general, through small loans of state insurance underwriting risk control system is recommended for the development of small loan insurance has important theoretical and practical significance.