| 关于开发信用保险业务的思考 |
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| 引用本文： | 刘学良,蔡华.关于开发信用保险业务的思考[J].价值工程,2004,24(2):112-114. |
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| 作者姓名： | 刘学良 蔡华 |
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| 作者单位： | 1. 青岛市海关缉私局
2. 青岛大学经济学院,青岛,266071 |
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| 摘 要： | 在我国目前市场经济体制尚不完善、信用制度与法律制度还不健全,企业信用缺失和社会信用氛围淡薄,以及信用风险管理的金融工具又匮乏的情况下,为了规避企业因信用交易风险带来的不确定性,在现阶段更有发展信用保险的必要性。笔者认为,应由全国性商业银行或由大银行与保险公司组建新的金融企业介入该业务的管理;最后,还探讨了该业务的运作模式及保险费用定价的影响因素。
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| 关 键 词： | 信用风险 信用保险 必要性 运作模式 |
Study of Developing Credit Insurance |
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| Liu Xueliang,Cai Hua.Study of Developing Credit Insurance[J].Value Engineering,2004,24(2):112-114. |
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| Authors: | Liu Xueliang Cai Hua |
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| Abstract: | it is necessary to develop the credit insurance in order to dec re ase the uncertainty under incomplete market and law system?lack of enterprise c redit?weak social credit culture and want of finance tool.This author thinks th at national commercial bank or the new finance enterprise composed of big bankin g and insurance company should/can manage the business.In the end it is dis-cus sed the mode of business operation and the factors affecting the insurance prici ng. |
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| Keywords: | credit risk credit insurance necessity mode of operating |
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