【摘要】：小微企業(yè)的信貸風(fēng)險(xiǎn)高,很難獲得貸款。小微企業(yè)貸款保證保險(xiǎn)業(yè)務(wù)作為增信手段,緩解了小微企業(yè)貸款難的問(wèn)題。小微企業(yè)貸款保證保險(xiǎn)是一種高風(fēng)險(xiǎn)的業(yè)務(wù),需要對(duì)其進(jìn)行專(zhuān)業(yè)化的風(fēng)險(xiǎn)控制。本文從小微企業(yè)和貸款金融機(jī)構(gòu)面臨的貸款風(fēng)險(xiǎn)進(jìn)行分析,保險(xiǎn)公司從承保前、承保中和理賠三個(gè)階段進(jìn)行風(fēng)險(xiǎn)控制。
[Abstract]:The credit risk of small and micro enterprises is so high that it is difficult to obtain loans. As a means of credit enhancement, the loan guarantee insurance of small and micro enterprises alleviates the problem of loan difficulty of small and micro enterprises. Small and micro-enterprise loan guarantee insurance is a kind of high-risk business, need to carry on the specialized risk control to it. This paper analyzes the loan risk faced by small and micro enterprises and loan financial institutions. The insurance company carries on risk control in three stages before underwriting and settling claims.
【作者單位】： 沈陽(yáng)航空航天大學(xué)安全工程學(xué)院;
【分類(lèi)號(hào)】：F832.4;F842.682

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