Research On The Development Of Loan Credit Insurance For Small And Medium Sized Enterprises In China

With the rapid development of social economy,small and medium-sized enterprises have become an important part of the world economy,in promoting global economic development,employment promotion alleviate social pressure plays a very important role.The 2015 APEC CEO Summit,Alibaba CEO Jack Ma at the dialogue with the US leader Obama mentions: small and medium-sized enterprises are the most innovative enterprises.However,subject to the small scale of operation,production and operation of poor stability and other factors,SMES always are not able to get rid of the problem in financing,it turns out,the traditional financing tools have been unable to solve the financing problems.In the meantime,the evolution of this insurance product catch more and more people's attention who come from various sectors.Firstly,the status of the current financing of small and medium-sized enterprises carried out a detailed analysis,on this basis,I will further analyze the necessity and feasibility of the progress of this insurance product;Secondly,this paper introduces the analysis method of game theory to analyze the prior to the insurance companies involved in financing both the bank and enterprise game situation between the two sides and the establishment of game model between banks and enterprises,in addition,further analysis of the tripartite participation of banks and insurance companies game problems after lending relationship,in based on the analysis of the decision behavior tripartite game built on top of the tripartite game model,from a quantitative point of view of the premary elements of development of this insurance product affect the balance of the tripartite interests;and finally,the combination of the current small and medium-sized enterprises loan credit based on the development status of insurance,in the government's view,the perspective of small and medium enterprises,commercial banks and insurance companies point of view point of view proposal some relative strategic suggestions.