A Risk Management Optimization Of Loan Guarantee Insurance Of Insurance Company

In the structure of China's economy,the private economy occupies the main position.The private economy is dominated by small and medium-sized enterprises,which provide the source power for China's innovative development.With the support of national policies,it has maintained a good momentum of development in recent years.However,it also faces various factors restricting its development,among which financing difficulty has gradually become the bottleneck of the development of small and medium-sized enterprises.To this end,the state and major financial institutions have been actively coordinating and improving various measures,hoping to find a solution.Under this background,insurance companies should also enter the credit market and introduce loan guarantee insurance products.As a logistics and freight center built by China,Y City has gathered a large number of small and medium-sized logistics enterprises.These enterprises bring vitality to the development of local cities and drive related economic development.However,they face the same problem of financing difficulties as other small and medium-sized enterprises in China.In order to help these logistics companies in the local market solve the financing problem,A insurance company conducted detailed investigation and research on the market,and reached a cooperation plan with various partners after many negotiations.In order to let A insurance company continue to develop the business healthily,the author stood in the perspective of A insurance company to carry out risk management of loan guarantee insurance business,visited Y logistics enterprises many times,conducted research and analysis on the market,familiar with relevant risk management theory.Explain the current situation of risk management of A insurance company,analyze the risks and risk causes of A insurance company's participation in the local logistics credit market,propose the optimization of risk management for this business case under the previous theory and understanding of case risk.Measures Including improving risk decentralized management mechanism,standardizing operational risk management,strengthening post-guarantee risk management,strengthening employees' comprehensive risk management capabilities and awareness,encouraging borrowers to purchase borrowers' accidental injury insurance,improving the level of information operations.The ultimate goal is to control the risk that A insurance company will provide for the loan guarantee insurance provided by Y City logistics enterprises,so that the business can continue to operate.This paper aims to improve the risk of A insurance company in the logistics industry to carry out insurance business in Y.With the management control level,the risk management optimization of this business hopes to provide risk management measures that can be used for reference to similar risk management issues in the same industry,thus contributing to the development of this new type of business in the insurance industry.