小额贷款保证保险风险防范法律制度分析

《小额贷款保证保险风险防范法律制度分析》由会员上传分享，免费在线阅读，更多相关内容在学术论文-天天文库。

1、-AbstractTopromotethereformofthefinancialsystemisanimportantsubjectinthethrees essionofthe12thNationalPeople'sCongressandtoimprovethemicro-loanguarantee insurancesystemisanimportantprogramofthereformofChina'sInsurancesystem.I nthebackgroundoflastingpr

2、omotionofthecooperationofbankandinsurance,the micro-loanguaranteeinsurancehavebecomeamajorintermediarypropellingthiscoop eration.Thecarryoutofmicro-loanguaranteeinsurancesysteminChinawillbebenefi cialforthetransactionriskandthereformationandinnovation

3、ofinsurancesystem. Thecombinationofinsuranceandloanhasthreeadvantages:extensionoffinancialser vices,solutiontothedilemmaoffinancingdifficultyandsafeoperationofbankfunds whichrealizethewin-winsituationofsmallandmicrocompanies,banksandinsurance companie

4、s.However,therearesomedisadvantagesincludingmarket,creditandoperat ionrisksresultingfromtheabsenceoflegalsystemofinsuranceriskpreventionandth ecreditlegalsystemandinternalcontroldeficiency.Thepurposeofthispaperist omakeananalysisontheriskandcurrentsit

5、uationofmicro-loanguaranteeinsuranc esystemandmakesomesuggestionsinreferencetoforeignloanpolicy.Thisthesiscanbedividedintofoursections:Sectionone:Anoverviewofsmallloanguaranteeinsuranceanditsriskprevention.Th etheoreticalbasisisintroducedandmarketstre

6、ngthishighlighted.Thenecessityofbuildingl egalsystemonriskpreventionofsmallloanguaranteeinsuranceisemphasizedthroughanaly zingmarketrisk,creditriskandoperationrisk.Sectiontwo:Theanalysisonthecurrentsituationofinsuranceriskpreventionleg alsystem.Theart

7、iclemadeananalysisonmarketrisk,creditriskandoperationriskfr omcentralandlocalperspectivesincludingthedeterminationofinsurancerates,insuranc ecompanies,creditlaw,informationoversightmechanisms,internalcontrolmechanismsan dtheprofessionalknowledgeandski

8、llsofthepractitioners.Sectionthree:Theinspirationfromoversealegalsystemofsmallloanguaranteeins uranceanditsriskprevention.BasedontheexperiencefromAmerican,JapaneseandKore an,thearticlemadesomesummariesandgavesomeadvices.1---Sectionfour:Thedeta