我国汽车消费贷款保证保险的绩效分析  

Performance of Chinese Auto Loan Guarantee Insurance

作　　者：李冠然[1] 

机构地区：[1]北京工商大学经济学院,北京100048

出　　处：《海南金融》2011年第8期50-53,共4页Hainan Finance

摘　　要：发展汽车消费贷款保证保险是保险业积极促进国内汽车消费的一项重要举措。既能间接扩大内需,推动国民经济增长,又能帮助银行管理贷款违约风险。本文通过构建汽车消费贷款保证保险绩效模型,分析得出汽车消费贷款保证保险能间接提高购车人信用等级,并为保险公司寻找新的利润点和融资渠道。最后根据绩效分析有针对性地提出了政策建议。Auto loan guarantee insurance is an important measure which promote the domestic automobile consumption. It can expand the domestic demand and promote economic growth, and also help banks manage default risk. The paper establishes auto loan guarantee insurance proficiency analysis model and concludes that auto loan guarantee insurance can improve credit rating of consumer indirectly, and it also bring insurance company new profit and financing channels. In the end, the author puts forward some suggestions according to the analysis.

关 键 词：汽车消费贷款保证保险 绩效分析 银行 

分 类 号：F842.6[经济管理—保险]