Risk Prevention Measures Of Financing In P Insurance Company's Domestic Trade Credit Insurance

To promote domestic trade in a sound and orderly development,and maintain steady economic growth,domestic trade credit insurance should make a difference.With this type of credit guarantee function,enterprises are more likely to obtain financing,revitalize funds,and promote economic development.In recent years,China have actively promoted domestic trade credit insurance,China Ping An,Land Property Insurance,Bank Insurance and other property insurance companies have launched this business to seize the market opportunities.After nearly fourteen years of business development,this type of insurance plays an important role in boosting the orderly development of domestic trade and the steady growth of the economy.At the same time,there are loopholes in risk prevention.In April 2017,the CIRC promulgated the circular on Further Strengthening the Risk Prevention and Control of the Insurance Industry(hereinafter referred to as Article 35).No.35 civilization has pointed out that the risk of credit guarantee insurance is prominent,and the insurance fraud is hidden and the amount of insurance is huge,which can easily lead to systemic risk.This article is under this background to carry out research,hoping to provide a feasible proposal for the less vulnerable domestic trade credit insurance financing risk prevention.From the view of insurance company's point,this article uses case analysis and event analysis method,analyzes the P insurance company domestic trade credit insurance financing risk prevention,which considers risk assessment mechanism to consider a few factors,simple and uniform evaluation standard,the lack of flow control mechanism for bank dependent resistance and other problems.Credit risk,fraud risk and operational risk cause these problems.From managing and controlling these three aspects,the paper proposes some advice,which are the consummation of designing clause and designing policy in domestic trade credit insurance,the development of large data query function by cross-border cooperation,the credit risk assessment from the two dimensions of customer specific items and transactions,to establish a sound channel insurance financing business rules system and so on.