Study On Personal Loan Guarantee Insurance Of Y Property Insurance Company

In recent years,China's consumer finance market is in a rapid development stage,with the demand for consumer credit is constantly increasing,loan guarantee insurance came into being.At the same time,with the adjustment of the property market structure,loan guarantee insurance has gradually become an emerging blue ocean market,and the government has issued various documents to stimulate the development of loan guarantee insurance,which enables the development of personal loan guarantee insurance under the background of favorable macro financial market.At this point,the positive promotion of personal loan guarantee insurance will have positive significance from both personal and socio-economic perspectives.This paper takes Y property insurance company as the research object.Through field research in Y property insurance company,the author understands the real situation of the development of personal loan guarantee insurance products of Y property insurance company.Based on the insurance company's perspective on the development situation of personal loan guarantee insurance,first of all,Y property insurers of personal loan guarantee insurance business conditions are expounded,including an overview of insurance company,insurance company Y the development of personal loan guarantee insurance agent as well as the role,Y personal loan guarantee insurance company insurance products and premium income and compensation expenses.Secondly,through the study on the current situation of personal loan guarantee insurance business of Y property insurance company,it is concluded that there are mainly five problems in the development process of Y property insurance company.It is policy-holder to individual loan assures insurance to lack understanding,2 it is business development is unbalanced,3 it is business sale channel is onefold,4 it is risk control means is not comprehensive,5 it is social credit system is not comprehensive.In order to solve the problems existing in the development process of personal loan guarantee insurance of Y property insurance company,this paper analyzes the successful experience of loan guarantee insurance business in the United States and Japan,and references the cases of domestic loan guarantee insurance products,namely picc "loan assistance insurance" products.Combined with the development experience of loan guarantee insurance at home and abroad,it provides enlightenment for the development of personal loan guarantee insurance of Y property insurance company.Finally,this paper puts forward some Suggestions for the development of personal loan guarantee insurance of Y property insurance company.Establishing win-win cooperation between bank and insurance companies;Set up a comprehensive risk control team;To strengthen professional talent training;Establish a credit scoring system.This paper aims to improve the development status of personal loan guarantee insurance of Y property insurance company,and at the same time,provide referential countermeasures for similar problems in the industry,so as to contribute to the sustainable development of loan guarantee insurance.