摘要
在我国目前市场经济体制尚不完善、信用制度与法律制度还不健全,企业信用缺失和社会信用氛围淡薄,以及信用风险管理的金融工具又匮乏的情况下,为了规避企业因信用交易风险带来的不确定性,在现阶段更有发展信用保险的必要性。笔者认为,应由全国性商业银行或由大银行与保险公司组建新的金融企业介入该业务的管理;最后,还探讨了该业务的运作模式及保险费用定价的影响因素。
it is necessary to develop the credit insurance in order to dec re ase the uncertainty under incomplete market and law system?lack of enterprise c redit?weak social credit culture and want of finance tool.This author thinks th at national commercial bank or the new finance enterprise composed of big bankin g and insurance company should/can manage the business.In the end it is dis-cus sed the mode of business operation and the factors affecting the insurance prici ng.
出处
《价值工程》
2004年第2期112-114,共3页
Value Engineering
