【摘要】：推進金融體制改革是十二屆人大三次會議的重要議題,完善小額貸款保險保證制度是我國保險制度改革的重要內容。在當前不斷推進銀保合作的大背景下,小額貸款保證保險已成為推動銀行業(yè)和保險業(yè)互相合作的重要媒介。在我國大力推行小額貸款保證保險制度,不僅有利于降低保險市場的交易風險,而且有助于推動保險體制的改革與創(chuàng)新。保險和貸款相捆綁的模式,既有利于拓展保險公司的金融服務領域,又有利于解決小微企業(yè)的融資難題,還有利于保證銀行資金的運營安全,因此其實現(xiàn)了小微企業(yè)、銀行和保險公司三者共贏的局面。但是,由于我國小額貸款保證保險風險防范法律制度的不完善,導致該模式在實踐操作中存在諸多風險,包括市場風險、信用風險、操作風險等。本文旨在從法律視角分析小額貸款保證保險存在的風險,并對我國小額貸款保證保險風險防范法律制度存在的問題進行分析,然后在借鑒國外貸款保證保險風險防范法律制度經驗的基礎上,提出完善我國小額貸款保證保險風險防范的法律制度的具體對策。本文除引言和結論分為四個部分:第一部分為“小額貸款保證保險及其風險防范的概述”。本部分首先利用金融學中的信用理論和風險管控理論對小額貸款保證保險所面臨的風險類型進行分析,然后闡明完善我國小額貸款保證保險風險防范法律制度的必要性。第二部分為“我國小額貸款保證保險風險防范法律制度現(xiàn)狀及其問題分析”。本部分對我國現(xiàn)有的小額貸款保證保險市場風險、信用風險以及操作風險防范法律制度的現(xiàn)狀及其問題分別進行分析,具體包括對政府扶持政策的實施方式、保險公司費率的厘定機制、信用法律體系、銀保聯(lián)合管控機制、保險公司的內控機制以及從業(yè)人員的專業(yè)水平等問題進行具體分析,以為下文的相關制度完善奠定基礎。第三部分為“域外貸款保證保險風險防范法律制度的實踐與經驗借鑒”。本部分考察了美國、日本和韓國三個國家的貸款保證保險風險防范制度中的具體措施,并總結出可供我國借鑒的寶貴經驗。第四部分為“完善小額貸款保證保險風險防范法律制度的具體路徑”。本部分針對第二部分指出的我國小額貸款保證保險風險防范法律制度的現(xiàn)狀及其問題,在借鑒國外經驗的基礎上,提出了我國小額貸款保證保險中對市場風險、信用風險和操作風險防范法律制度完善的具體路徑。
[Abstract]:Promoting the reform of financial system is an important issue in the third session of the 12th National people's Congress, and perfecting the guarantee system of microloan insurance is an important part of the reform of insurance system in China. Under the background of promoting Bancassurance cooperation, microfinance guarantee insurance has become an important medium to promote the cooperation between banking and insurance industry. Vigorously carrying out the microloan guarantee insurance system in our country is not only helpful to reduce the transaction risk of the insurance market, but also help to promote the reform and innovation of the insurance system. The mode of bundling insurance and loans is not only conducive to expanding the field of financial services of insurance companies, but also conducive to solving the financing problems of small and micro enterprises, and is also conducive to ensuring the safety of the operation of bank funds, so it has realized small and micro enterprises. A win-win situation between banks and insurance companies. However, due to the imperfection of the legal system of microloan guarantee insurance risk prevention in our country, there are many risks in the practical operation of this model, including market risk, credit risk, operational risk and so on. The purpose of this paper is to analyze the risks of microloan guarantee insurance from the legal perspective, and to analyze the problems existing in the legal system of microloan guarantee insurance risk prevention in our country. Then, on the basis of drawing lessons from the experience of foreign legal system of loan guarantee insurance risk prevention, this paper puts forward some concrete countermeasures to perfect the legal system of micro loan guarantee insurance risk prevention in our country. In addition to the introduction and conclusion, this paper is divided into four parts: the first part is an overview of microloan guarantee insurance and its risk prevention. This part first uses the credit theory and risk control theory in finance to analyze the risk types of microloan guarantee insurance, and then expounds the necessity of perfecting the legal system of microloan guarantee insurance risk prevention in our country. The second part is the analysis of the current situation and problems of the legal system of microloan guarantee insurance risk prevention in our country. This part analyzes the current situation and problems of the existing microloan guarantee insurance market risk, credit risk and operational risk prevention legal system, including the implementation of government support policy. The determination mechanism of insurance company rate, the credit legal system, the joint control mechanism of bank insurance, the internal control mechanism of insurance company and the professional level of employees are analyzed concretely, which lays the foundation for the improvement of the relevant system below. The third part is the practice and experience of the legal system of insurance risk prevention of foreign loan guarantee. This part examines the specific measures in the loan guarantee insurance risk prevention system of the United States, Japan and South Korea, and summarizes the valuable experience that can be used for reference by our country. The fourth part is the specific path of perfecting the legal system of microloan guarantee insurance risk prevention. In view of the present situation and problems of the legal system of risk prevention of microloan guarantee insurance pointed out in the second part, on the basis of drawing lessons from the experience of foreign countries, this part puts forward the market risk of microloan guarantee insurance in our country. The specific path of perfecting the legal system of credit risk and operational risk prevention.
【學位授予單位】：西南政法大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：D922.284

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