贷款保证保险:发展情况、现存问题及建议

Loan Guarantee Insurance: Development,Existing Problems and Suggestions

发展贷款保证保险对于缓解小微企业融资难有着积极的意义。从20世纪80年代开始,国内贷款保证保险的试点工作就已陆续开展。然而,发展贷款保证保险面临法律法规不健全、信用风险较大、银保合作不顺畅等问题。为积极发展贷款保证保险,需要完善相关的法律法规,优化社会信用生态环境,理顺银保合作关系。

The development of loan guarantee insurance has a positive significance for the small and micro busi- nesses to alleviate their difficulties in financing. Since 1980s, the pilot program of loan guarantee insurance at home has been carried out. However, the development of loan guarantee insurance are faced with the following problems, such as imperfect laws and regulations, higher credit risk, and unsmooth cooperation between banks and insurance companies. In order to actively develop the loan guarantee insurance, we need to improve relevant laws and regula- tions, optimize the ecological environment of social credit, straighten out the relationship between banks and insur- ance companies.