论文部分内容阅读
机动车辆消费贷款保证保险经过短短 4年的快速发展 ,业务规模迅速扩张 ,暴露的问题也越来越多。信用风险、管理风险、竞争风险、制度风险、政策风险等各种风险开始凸现 ,赔付率大幅攀升。为保证这项极具潜力的新兴业务健康发展 ,应加强对该业务的实践分析和理论研究 ,充分认识到它的风险所在 ,并通过建立社会信用体系、加强内部管理控制业务规模、严格资信调查、完善抵押制度、加强法制建设、改善法治环境等对策来防范和化解风险
After 4 years of rapid development, the scale of business of the consumer loan guarantee insurance for motor vehicles has expanded rapidly, exposing more and more problems. Various risks such as credit risk, management risk, competition risk, institutional risk and policy risk have begun to emerge, and the loss ratio has risen sharply. In order to ensure the healthy development of this promising new business, we should strengthen the practical analysis and theoretical research on the business, fully recognize its risks, and establish a social credit system to strengthen the internal management and control business scale and strictly conduct credit investigation , Improve the mortgage system, strengthen the legal system, improve the legal environment and other measures to prevent and resolve risks