The Development Of Chinese Professional Credit Guarantee Insurance Company

At present our country has entered a new economic normalization, the potential economic growth is slowing the pressure is increased, at the same time small and medium-sized enterprise financing difficulties, financing your problem still hard, demand more and more refined, multivariate, contracts and lack the spirit of good faith continuously increasing default rate, make domestic enterprise organizations and individuals,the insured wishes and effective demand for credit guarantee insurance is changing, and has strengthened gradually. Under the background of the rising market demand, market supply, however, does not match very much. Insurance market in our country now has eighty-one property companies, but a lot of property between the risk of credit guarantee insurance coverage and high pay, did not dare to set foot on the credit guarantee insurance field. With the national bureau of statistics data show that in two thousand and fifteen credit guarantee insurance income only accounted for five percent of China's property insurance premium income is a veritable small coverage and mainstream business. Default resulting from the government in response to the economic downturn, small and medium-sized enterprise financing difficulties and a series of problems, from two thousand and eleven began to encourage the development of credit guarantee insurance, promote insurance market main body, rich set up professional credit guarantee insurance agencies. It is in the national policy guidance and market demand for credit guarantee insurance grew louder,credit guarantee insurance in the niche is planted,is becoming more and more attention by the domestic insurance industry.With the rapid development of Internet technology, the emergence of big data and cloud computing solves the credit guarantee insurance this danger to plant the characteristics of high risk and high pay, for the development of credit guarantee insurance such business provides technical conditions. Set up professional credit guarantee insurance company to support the development of domestic economy,domestic trade, solve the historical problem of small and medium-sized enterprise financing difficulties. Now the global economy is in a slowdown, high debt and rising trade protectionism threat situation, domestic trade market is also overcome the difficult period. Domestic trade and domestic trade credit risk was positively related, namely along with the continuous expansion of trade, credit risk exposure as expanding, and credit guarantee insurance to exposure on, lower in the process of trade receivables become the probability of bad loans, to prevent capital chain rupture, thus protect the healthy development of the enterprise good. In addition, related data show that in two thousand and fifteen the year loan guarantee insurance support small micro enterprises and individuals to obtain the financing amount is one hundred and one point five six billion yuan, including twenty-five provinces to carry out the small loan guarantee insurance pilot, a total of support of twelve point three small micro enterprise access to bank financing loans eighteen point eight six billion yuan, credit guarantee insurance is to help the micro, small and medium enterprises to solve financing problems. Sunshine credit guarantee insurance company, hereinafter referred to as "sun corporation was established in two thousand and fifteen, after a year of development, the sun corporation in the process of exploring road gradually find out their own unique feasible development path. Sunshine letter of completion, not only for "ten new countries" policy implementation, and support for chongqing insurance innovation development experimental zone, in perfecting our country's credit system, improve the level of credit risk management, promote the reasonable financing, optimizing the resources configuration, support the development of the real economy, and play an important role in promoting transformation and upgrading, etc.Based on the letter confirmed the market's first professional credit guarantee insurance company as the breakthrough point of the thesis, with the help of international and domestic market conditions, credit guarantee insurance industry development to explore the characteristics of professional credit guarantee insurance company background and development prospect. Sun was extracted with case on the corporation's business model, and this paper summarizes the existing commercial credit insurance model, and contrast analysis of the existing commercial credit policy and credit insurance company guarantee insurance mode and professional credit guarantee insurance company in the business subject, market positioning, product design, risk control technology and talent advantages and disadvantages. In the final analysis the three major credit insurance agency business is introduced and the operating characteristic,in view of the lack of professional credit guarantee insurance company for the development of five countermeasures are put forward.