履约保证保险与消费信贷

Performance Guarantee Insurance and Consumption Credit

消费信贷业务作为一项独立、高效的优势金融产品,与银行公司业务齐头并进,正日益为各商业银行所瞩目,并逐渐成为银行经营系统中的重要资源。在大力发展这一业务时,其授信风险的防范、分散和转移自然也就成为各家银行所要研究的课题。正是顺应这一需要,银行个人消费信贷业务中的履约保证保险应运而出,并为各利益主体所接受,显现出其强大的生命活力。

Consumption credit,as an independent,efficient and superior financial product,is devel-oping rapidly in parallel with other bank businesses.It attracts the attention of all commercial banks and becomes the major source of bank management system.Along with the enlargement of this business,it is of great necessity for all commercial banks to study the prevention against,the deconcentration on,and the transfer of their accredited risks.To satisfy this need,performance guarantee insurance derives from bank individual consumption credit business,gains general accept -ability from the parties interested,and presents great vitality.