论我国信用保险业的经济周期管理

The economic cycle management for credit insurance industry in China

本文尝试从经济周期的角度看待本轮危机给我国信用保险行业带来的启示。首先研究了经济周期性波动中信用风险水平的变化,进而引申说明经济周期对信用保险行业的市场需求和风险水平都具有深刻的影响。其次,提出了信用保险行业要在经济的周期性波动中保持稳定经营必须面对的挑战,其中特别说明了官方支持的信用保险机构的独特之处。最后,对我国信用保险机构如何开展经济周期管理提出了若干建议。

The paper elaborated on the inspiration the credit insurance industry could draw from the current financial crisis from the economic cycle perspective. It studied the change of the credit risk during the cyclical economic fluctuation, and arrived at the conclusion that economic cycle had a profound impact on market demands for credit insurance and the risk level. It pointed out that the credit insurance industry should face up with the challenges during the cyclical economic fluctuation and maintain stable operation results. It particularly stressed on the uniqueness of credit insurance companies with government backing. The paper also offered some suggestions on how to manage the economic cycle for the credit insurance companies.