Small And Micro Enterprise Loan Guarantee Insurance Research Of "Zheng Yin Bao" In Hebei Province

Small micro enterprise is the foundation of the national economy. The steady growth and expand employment plays an extremely important role, but the small micro enterprise financing difficulties remains a serious problem. To give full play to the function of insurance, promote the development of small micro enterprise, it is important to establish "government + bank + insurance" cooperative innovation business model which includes a corporate voluntary, insurance companies, bank lo ans and government fiscal subsidies and risk compensation insurance. In Hebei province setting up the mechanism of "Zheng Yin Bao" to promote small micro enterprise development is the trend of the times, but it is also the strategic planning of promote integration of the Beijing-Tianjin-Hebei region.This paper firstly defines loan guarantee insurance on the small and micro enterprise and explains the "zheng Yin bao" loan guarantee insurance operations, Including domestic other pilot areas "zheng Yin bao" model is introduced.Secondly, from the insurance agency, banking financial institutions and government policy several aspects describe the present situation and problems of loan guarantee insurance in Hebei province, and focus on a certain development zone in Hebei province "Zheng Yin Bao" implementation status and Zhangjiakou typical pilot "Zheng Yin Bao". Again, through the description of the current situation, we summed up the small micro enterprise credit environment is poor, the guarantee insurance business of insurance company attaches great importance to the low degree, the banking institution loan coverage is low and the risk of exposure to financial institutions, such problems as lack of professional talents. Finally, combined with Japan, the United States, South Korea, Guangdong, Shandong domestic and foreign relevant experience we summed up the need to establish a good credit environment in Hebei province, the insurance company to increase support for loan guarantee insurance, banking institutions to expand coverage of small micro enterprises and strengthen risk control, government intensify financial support, and to establish professional talent team.