Research On The Development Of Small Loan Guarantee Insurance Under The Mode Of "Zheng Yin Bao"

As one of the important forces of economic development,China's microenterprises have played an irreplaceable role in economic development and social stability in China.But since its birth because some of the defects so that it faced the trouble of financing.Financing is difficult and expensive,it has become an important factor affecting its development,it also concerned by the government and theorists.China's 2017 government work report also mentioned not only to reduce tax burden of small and medium enterprises,but also deepen the financial system reform,play the financial universality,alleviate the financing problem of small and micro enterprises effectively.The "Zheng Yin Bao" model of micro finance guarantee insurance provides a new way of solving as a new way of financing.The article takes the development of small guarantee insurance under the mode of " Zheng Yin Bao " as the research object,in the introduction part introduces the research background,purpose and significance of this article,summarizes the domestic and foreign scholars about loan guarantee insurance involved in corporate finance.A rief introduction to the concepts of micro enterprises and credit assurance insurance.This paper expounds the background of the "Zheng Yin Bao" model and the practice of Guang Dong and He Bei provinces,which have been the first to carry out the model.On the basis of the development of practice,this paper summarizes the external problems in the development of micro-loan guarantee insurance under the mode of"Zheng Yin Bao" and the specific problems in the process of participation of each subject in the mode.Then the article use the comparison analytic method,analysis the development of credit guarantee and credit guarantee insurance development at home and abroad,make a summary,finally on the basis of using the experience of domestic and foreign advanced mode,based on our national conditions,Making suggestions in order to better promote the development of micro finance guarantee insurance in the "government bank insurance" mode.Including establish specialized laws and policies,strengthen the credit management of small enterprises,improve the social credit system,insurance company products to achieve accurate pricing,reduce transaction risk,cultivate compound talents,strengthen internal control and other recommendations.