| Small and medium-sized enterprises have always been one of the most essential components of the development of national economy.They play an important role in promoting economic development,increasing employment,adjusting industrial and import and export structure.Small and medium-sized enterprises have become an indispensable part of China’s socialist market economy along with the continuous development in recent years.However,in the process of development,these enterprises are always faced with various problems,such as insufficient development funds,narrow financing channels and high financing cost,which have become the bottleneck restricting the development of small and medium-sized enterprises.In 2014,the State Council’s “National Ten”,put forward the requirement of “accelerating the development of credit insurance and loan guarantee insurance,and increasing the financing capacity of micro-enterprises”.In 2015,China Insurance Regulatory Commission jointly issued a document with five minist ries,with the purpose of promoting the use of credit guarantee insurance products to enhance the financing and refinancing capabilities of medium,small and micro-enterprises,and expanding the financing channels of small and medium-sized enterprises.Thus it can be seen that the important point of developing the insurance industry is to solve the problem of small and medium-sized enterprises on financing channels and financing capability by means and carriers of credit guarantee insurance products.Therefore,this paper will focus on the operation mode of Small and Medium-sized Enterprise loan guarantee insurance,and select the Small and Medium-sized Enterprise loan guarantee insurance of the credit guarantee insurance department of Hunan Branch of Z Company,which is highly representative in Hunan Province,for in-depth analysis and research.This paper analyzes the Small and Medium-sized Enterprise loan guarantee insurance business of Z Company,and helps the insurance company to have a more intuitive understanding of the development of Small and Medium-sized Enterprise loan guarantee insurance.The preconditions and risk control system required for the opening of this insurance type are to further understand.Meanwhile,the systematic analysis of Z Company’s Small and Medium-sized Enterprise loan guarantee insurance risk control will help the insurance company to improve its own Small and Medium-sized Enterprise loan guarantee insurance risk control system.The “risk front move forward” setting,“three in one” Pre-insurance review mechanism and post-insurance management mechanism introduced in this paper have good reference value for the risk control of insurance company Small and Medium-sized Enterprise loan guarantee insurance.From the perspective of th e actual loss ratio and the expected loss ratio,the article focuses on the effects of Z Company risk control.At the same time,two representative examples of risk-control measures are adopted to convert Non-insurable business into insurable business and achieve a significant reduction in expected loss ratio.Finally,this paper puts forward relatively relevant suggestions based on practical experience to improve China’s Small and Medium-sized Enterprise loan guarantee insurance. |
