摘要
信用保证保险在发达国家是与寿险和产险并驾齐驱的三大核心业务,而在我国目前却仍处于探索阶段,市场表现也是差强人意,没有实现普遍盈利。这种情况下研究我国互联网信用保证保险的应用前景就具有重要的现实意义。研究发现在国家产业结构深入调整、社会消费不断升级,以及新业态、新技术不断更迭的宏观环境下,需求持续扩大,供给积极改善,有效对接变得越来越容易、快捷,均为互联网信用保证保险的发展提供了广阔的市场空间。
The credit guarantee insurance in developed countries is to keep pace with life insurance and property insurance, while in our country it is still in the exploratory stage, whose market perform- ance is also not satisfactory, with no general profit being achieved. It is of great practical significance to study the application prospect of Internet credit guarantee insurance in China.It is found that in the mac- ro environment of the national industrial structure adjustment, social consumption growing, and con- stantly changes ofnew forms, new technology, the demandof credit guarantee insurance continues to grow andthe supply improves in a positive way. Effective connection is becoming easier and quicker, which provides a broad market for the Internet credit guarantee insurance.
出处
《保险职业学院学报》
2018年第1期79-82,共4页
Journal of Insurance Professional College
关键词
互联网信用保证保险
互联网消费金融
P2P平台去担保
资产证券化
Internet credit guarantee insurance
Internet consumer finance
P2P flatforms remov- ingguarantees
Asset securitization
