The Research On Small And Micro Enterprises’ Loan Credit Insurance Of China

China’s small and micro enterprises are huge，and they are distributed in all walks of life.They have become an important pillar of the national economy，the guarantee of socialharmony and stable development.The small and micro enterprises’ financing problem is aglobal problem. Although the central government and the banking institutions，from the directfinancing channels to indirect financing channels， have given strong support，however，inreality，the effect is not obvious，without improving the supporting policies. It’s not onlyhindering the economic growth，but also a threat to employment and social harmony andstability.The development of small and micro enterprises’ loan credit insurance，on the onehand can enhance the ability of small and micro enterprise’ financing to ease the problem offinancing；on the other hand can expand can expand the insurance company business，andreflect the social insurance management functions.In addition，with the speeding up ofmarket-based interest rate，the competition among banking institutions gradually intensified，grabbing small and micro enterprises market share becomes a trend，small and microenterprises’ loan credit insurance as a new way of cooperation between Banks and insurancecompanies，can really reduce non-performing assets of banking institutions，increase its assetssecurity，and improve the level of competitiveness of banking institutions.At the same time，small and micro enterprises’ loans credit insurance to complement and deepen the creditguarantee system in our country，also has the very vital significance.In short，the study ofChina’s small and micro enterprises’ loans credit insurance has theoretical and practicalsignificance from the macro and micro.This article is divided into six parts. The first part is the introduction，Including researchpurpose and significance，the research status of domestic and foreign about the creditinsurance，research methods，thesis structure and innovation points.The second part is thetheoretical basis，including the definition of small and micro enterprises and credit insuranceand other related theories.The third section analyzes the situations of mall and microenterprises financing and banking institutions’ small business loans business，and analyzes the causes of the small micro enterprise financing plight.The fourth part analyses the necessityand role of developing this insurance. What’s more，this part also analyzes the theoretical andpractical feasibility.The fifth part studies project design and pricing model of small and microenterprises’ loan credit insurance，and carries on the empirical analysis. The sixth partanalyses the obstacles，and putting forward the corresponding proposals.Through the theoretical and empirical analysis，we find that：（1）Although small microenterprise loan business of banking institutions in China has developed rapidly，has made nosmall achievement，but the small and micro enterprises financing demand in our country，andto the reality of loans to banking institutions difficult，and the development of small microenterprise loan credit insurance is an effective way to solve the small and micro enterprisesfinancing difficulties.（2）Development of small and micro enterprises’ loan credit has thefeasibility of the theory and reality in our country（.3）Through the empirical analysis，even forrisky loans，banking institutions can also decide the credit rate according to the small andmicro enterprises credit level and paying for the insurance premiums. It is clear that banksinsurance companies and small and micro enterprise exists cooperation pace.