The Research On Risk Prevention And Early Warning Of Our Automobile Loan Guarantee Insurance

After car loan guarantee insurances were launched, they have positive action to :he development of our car credit market. But along with enlargement of operation scope, some problems about management are exposed. In March of 2004, China Insurance Regulatory Commission stopped car loan guarantee insurance. It results from faultiness of car credit consume, assure system and increase of consume credit risk.By researching the development of car loan guarantee insurance, the thesis deeply analyses problems of our car loan guarantee insurance, indicates that the key is to develop and perfect service system of car consume credit, and brings forward measures of risk keeping away and mechanism of risk early warning .The thesis firstly summarizes theory research of many national and overseas scholars, adopts the method of combining theory and practice to research, and finds out the material risk factors of car loans insurance at the basic of compare analyzing the national and overseas car loans insurance.Then, aiming at the risk factors of car loans insurance, the article brings forward measures of risk keeping away, and moreover, respectively establishes mechanism of risk early warning of bank and insurance company.Finally, the article analyses the importance of risk early warning by a representative case of car loan guarantee insurance, and educes a series of important conclusions. The conclusions not only provide gist for decision-making of insurance monitor and market principal part, but also help to impel survival and more development of car loan guarantee insurance.