Study Of Loan Credit Guarantee Insurance Business Of Yunnan Branch Of E Insurance Compamy

Since 2005,financial innovation is gradually warming up in China with the popularization of the concept of inclusive finance.As represented by P2P,a number of financial platforms serving individual have sprouted.And with the continuous improvement of regulatory system,many innovative financial platforms are gradually exposing their basic defects and have withdrawn from the mainstream market.The loan credit guarantee insurance,on the basis of its brand guarantee and stable operation,has embarked on a rapid development path during this period.Loan credit guarantee insurance has been in international development for more than 100 years,but it has just developed in China for about 30 years.There are not many insurance companies that provide loan credit guarantee insurance.There are only 6 insurance companiesactive in this market.They are Ping An Puhui,BOC Insurance,Sunshine Financelnsurance,China People's Property Insurance,China Pacific Property Insurance and E Insurance Company.The reasons are that in the development of loan credit guarantee insurance,the legal system of the loan guarantee insurance business is not perfect,the experienced management personnel are seriously inadequate,and the profit performance is not satisfactory.E Insurance Company Personal Loan Credit Guarantee Insurance Division,although it started late,its profit performance is second only to"Pingan speed",and its performance in the credit insurance market is remarkable.In this context,this paper chooses the development of personal loan guarantee insurance business of Yunnan Branch of E Insurance Company as the research object,and compares and analyzes it with the industry benchmarking enterprise Ping An Huihui in theiroperation and management mode,and deeply analyzes its problem existing in business management,as well as the direction in which its management operations are upgraded and optimized.This study is an analysis and diagnosis in the personal loan credit guarantee insurance market of the D-insurance company with a relatively fast growth rate.The state-owned characteristics and existing problems of the enterprise are universal in the industry.The experience and methods summarized in this study can provide new development ideas for the further business expansion of D Insurance Company Yunnan Branch,and can also provide some specific problems and countermeasures for the development of the industry.