摘要
我国加入世贸组织后,面对国外混业经营金融机构的竞争压力,国内银行业和保险业的业务合作将成为一种新的趋势。开展银行贷款信用保险可有效防范银行信用风险,并为保险业提供更广阔的业务空间。本文就我国银行贷款信用保险业务开展现状、存在问题及原因进行了系统研究,并提出了拓展我国银行贷款信用保险业务的政策措施。
This study focuses on development of credit insurance of bank loan in China. After China entered WTO, it is a new tendency that Chinese bank will cooperate with insurance company when facing competition from foreign all-round financial institutions. Carrying out the credit insurance of bank loan can reduce the credit risk of bank effectively and provide more business for insurance. It is analyzed that the present situation of credit insurance business of bank loan, the existing problem and the reasons in this study. The necessary policies and measures are suggested.
