Study Of Solutions To The Coinsurance And Mutual Insurance Of The Small And Middle-sized Enerprises

Small and middle-sized enterprises make great contributions to economic development and stability of society in developing and developed countries. They play an important part in the market economy in our country as well. Compared with their contributions to the economy, they actually get less government support and fewer fund sources. The coinsurance and mutual insurance has become the most important way to get enough fund for the lack of available pledge. This article focuses on the practical use and development of the coinsurance and mutual insurance,taking example of how Shandong TJ Paper limited liability company solved its crisis.With the method of reading documents, interviewing and analyzing sample cases,proper suggestions for such kinds of enterprises are put forward based on the experiences of sample enterprise.Here are the main risks which may keep the enterprises from developing in the long term : the huge amount of speculate,debt crisis of Domino Effect, credit risks of banks, hidden danger of social violence and trust crisis. To make sure the coinsurance and mutual insurance take effect perfectly,not only should the system be improved,but the banks and enterprises and the whole market environment should be improved according to the financial policies. With the combination of all aspects,supervision and guidance, a healthy,sound financial environment is expected to form. Only in this way can we expect their rapid and sustainable development.