Exploration of the Insurance Model to Boost the Microenterprises” Financing
The Chinese micro-enterprises have made major contributions to boost the economic growth,to augment employment and to promote the scientific and technical innovation and the social harmony and stability and so forth.But in recent years,our steady monetary policy and the increasing factor price have made the enterprises to increase the investment and decrease the benefit.Thus it is very difficult now for them to get loans from the bank.As a result,financing difficulty has become the bottleneck for the microenterprises to develop themselves.Against this background,the insurance industry is actively opening up the guarantee insurance,the credit insurance and the liability insurance and so forth to explore and boost the micro-enterprises’ financing effectively.Some insurance companies are making corresponding experiments.This paper analyses the background of the corresponding businesses which can play active roles in boosting the micro-enterprises’ effective financing.This paper also compares these above mentioned different insurance modes,points out the existed problems and puts forward proposals and strategies for risk control and the sustainable development through the insurance subject,the object insured and the conditions of the insurance.
Micro-enterprise guarantee insurance credit insurance liability insurance proposal
LUAN Hong
School of Economics, Beijing Technology and Business University Beijing, China, 100048
国内会议
青岛
英文
294-298
2012-07-18（万方平台首次上网日期，不代表论文的发表时间）