我国保险债权计划发展对策建议

本文根据当前保险债权计划的实际情况,对其发展历程进行了新的划分。并通过发展历程和具体数据分析提出了保险债权计划项目层级下沉、信用风险增加;保险资金运用于债权计划部分不足;保险债权计划的发行存在风险;保险债权计划相关法律、法规不健全四个问题。同时结合实际对问题进行了分析,并有针对性地提出了四点对策建议。

Based on the actual situation, the author makes a new classification of the development process of current insurance debt plan. Through concrete data analysis, the author puts forward four problems, subsidence of the level of insurance debt plan and increasing credit risk, insufficient funds in insurance debt plan, risk in the issuance of insurance debt plan, and defective laws and regulations of in surance debt plan. According to the analysis of the actual situation, the author proposes four counter- measures for the corresponding problems.