The Investigation Report On The Credit Guarantee Business Of S Insurance Company In Hebei Province

Credit guarantee insurance originated in Euramerican developed country,it has become the insurer's third largest core business risks with the life insurance and the property insurance.But its development course is shorter in our country,and the development process runs smooth.In the current,our country insurance market management structure is unreasonable,the development of the car insurance is underpowered and the underwriting profit margins decline year by year,reducing the car insurance business can yet be regarded as a wise move.With a strong policy-oriented agricultural insurance,increasing the proportion of underwriting business is more difficult.But,under the market demand driven and the policy to encourage,the property of the credit guarantee insurance recovery streak.The government and insurance companies have attached great importance to it.Although it has the development prospects,it is more slower to develop the business.Analyzing correctly the problems existing in the development of credit guarantee insurance and founding methods to promote its healthy development are the focus of current government attention,It is also an important subject of the theory focuses on.The development of S insurance company is momentum in recent years,its market competitiveness is falling.As the profit growth point,the development of credit guarantee insurance business is slower.Considering its certain representativeness,this article selects Hebei branch of S insurance company for researching.First,this article analyzes the present situation and prospects of the credit guarantee insurance.Then,carrying out a survey on the development of credit guarantee insurance,which belongs to S insurance company of Hebei branch.Finding out the problems existing in the process of its business development:the personnel configuration system is not perfect?the operation cost is high,the operation risk is big,the social credit service system is not perfect and the publicity strength and the drive effect is insufficient.Then putting forward a few suggestions targeted:establishing a complete staffing system?using your own advantages to lower your operating costs?establishing a sound risk control system?using the Internet technology to build a credit system ? integrating the efforts of various parties to promote business development.Hope that this article research results can provide certain reference for the healthy development of credit guarantee insurance business.