贷款保证保险的风险控制研究——以P财产保险公司为例  

Research on Risk Control of Loan Guarantee Insurance——Take P Property Insurance Company as an Example

作　　者：谷明淑[1] 邓澍辉 GU Mingshu;DENG Shuhui(School of Finance and Trade,Liaoning University,Shenyang 110136,China;New China Life Insurance Company LTD.,Shanghai 200080,China)

机构地区：[1]辽宁大学经济学部金融与贸易学院,辽宁沈阳110136 [2]新华人寿保险股份有限公司,上海200080

出　　处：《辽宁大学学报（哲学社会科学版）》2022年第6期54-63,共10页Journal of Liaoning University(Philosophy and Social Sciences Edition)

摘　　要：我国小微企业贷款难的问题一直存在。贷款保证保险对于缓解小微企业贷款难具有积极作用。近年来,贷款保证保险在保费收入迅速增长的同时,风险敞口不断扩大与保险公司风控能力相对不足的矛盾日益突出。文章从保险经营的角度,研究风险控制的对策,则有利于贷款保证保险的持续发展。文章以P财险公司于2016年开创“太享贷”贷款保证保险为例,通过合理挖掘存量寿险客户的信用风险数据,建立了相对有效的风险控制体系。但以高综合费率的风险补偿策略难以持续;完全担保难以防范商业银行的道德风险;保费分期支付、期末缴付保费的业务模式下暗藏着流动性危机。针对保险公司经营贷款保证保险过程存在的问题,文章建议,应降低综合费率,建立协作型银保机制,提升不良资产的处置效率,改进信用风险的计量等。There are difficulties for small and micro enterprises to apply for loans in China.However,loan guarantee insurance plays a positive role in alleviating the loan difficulty of small and micro enterprises.In recent years,while the premium income of loan guarantee insurance is increasing rapidly,the contradiction between the continuous expansion of risk exposure and the relatively insufficient risk control ability of insurance companies has been increasingly prominent.Therefore,studying the countermeasures of risk control from the perspective of insurance operation is conducive to the sustainable development of loan guarantee insurance.P Property Insurance Company initiated“Taixiangdai”loan guarantee insurance in 2016,and established a relatively effective risk control system through reasonably digging out the credit risk data of existing life insurance customers.However,there are still some problems,such as unsustainable risk compensation strategy with high comprehensive rate,the moral hazard of commercial banks unprevented by full warranty,and potential crises under the business model of paying premiums in installments or at the end of the period.In the light of the problems existing in the operation of loan guarantee insurance,some countermeasures are proposed,including reduction of comprehensive rate,establishment of cooperative bank guarantee mechanism,improvement of disposal efficiency of non-performing assets and optimization of the measurement of credit risk.

关 键 词：贷款保证保险 信用风险 风险控制 

分 类 号：F832[经济管理—金融学]