Analysis On Risk Control Of Consumer Loan Guarantee Insurance

According to the China Consumer Finance Innovation Report released by the National Finance and Development Laboratory in 2017,China's consumer credit market may exceed 12 trillion yuan in 2020,when China will become the world's largest consumer financial market.As the scale of China's consumer credit market continues to increase,insurance companies are paying more and more attention to business expansion in the consumer credit market.However,how to manage and control the risks arising from the interconnection of “insurance and credit” has become a difficult problem that insurance companies must solve in the actual business.This paper uses two realistic backgrounds to draw the importance of research topics.Then,from the overview of consumer loan guarantee insurance,it briefly introduces the definition,classification and role of consumer loan guarantee insurance.Then the author entered the risk control theme,first analyzed the risk type of consumer loan guarantee insurance,and then analyzed the actual risk control measures in the actual business development process by taking the actual operation situation of A property insurance Guangzhou in consumer loan guarantee insurance as a case.At the same time,it also analyzed the business model and risk control mode of domestic and foreign consumer credit insurance.Finally,according to the actual situation in China,this paper gives suggestions on the risk management and control of China's consumer loan guarantee insurance from three levels: insurance company,bank and government.