Study On The Cooperative Development Of Guarantee Insurance And P2P Credit In Our Country

Due to an endless stream of risk events on P2P platforms,investors are discouraged.P2P credit platforms have cooperated with third-party guarantee agencies or insurance companies that provide relevant insurance products in order to enhance their credit ability and restore reputation.Since the "No warranty" wave in 2015,the P2P credit platform has to give up third-party guarantee agencies in response to regulatory policies and intensify cooperation with insurance companies,while insurance companies gradually expand their market share in order to expand their cooperation.As the core risk of P2P credit is credit risk,then the guarantee insurance based on credit risk is the focus of future cooperation between insurance companies and P2P credit.The introduction of this paper explains the background and significance of the research,summarizing up and analyzing domestic and foreign research findings,and introduces the research context and methods adopted,pointing out innovation and deficiencies.The second chapter mainly analyzes risk management theory,credit theory,information asymmetry,guarantee insurance and P2P credit relationship theory,game theory,etc.It defines the behavior of P2P-related insurance-related business actors and uses game theory to analyze P2P credit Introducing the game process of the relevant subjects after the guarantee insurance,and discussing the behavior characteristics of the relevant subjects in the various stages of the P2P insurance assurance business from the microscopic point of view.The third chapter explains the guarantee insurance business from the aspects of market development,national regulatory policy,operation management and business development model,and then analyzes the P2P credit business situation from the business entity,national compliance policy,industry development trend and platform competition situation.Finally,it describes the main cooperation model between China's insurance companies and P2P credit,and the current status of cooperation between China's guarantee insurance and P2P credit platforms.The fourth chapter analyzes the advantages and disadvantages of the insurance companies in the P2P credit platform,external opportunities and obstacles from the perspective of the insurance company.Finally,the relevant proposals for the development of P2P credit guarantee insurance business were proposed in a targeted manner to promote the insurance companies to carry out the guarantee insurance business in a more healthy and orderly manner on the P2P credit platform.