What is credit guarantee insurance?

What is credit guarantee insurance? What is credit

What is credit guarantee insurance? What is credit guarantee insurance? Does credit guarantee insurance require a mortgage or guarantee? The so-called credit guarantee insurance refers to the insurance with the credit risk as the subject of insurance, which is an emerging business compared to general property insurance and life insurance. Products are available both for individuals and for businesses. To put it simply, credit guarantee insurance means that the policyholder purchases the guarantee insurance, and the insurance company provides the credit guarantee, and the bank loan can be obtained without collateral or guarantee. Once the loan is repaid, the lending bank will also act as an insured by the insurance company to settle the claim against the bank. This method not only reduces the difficulty of financing for individuals or enterprises, but also helps banks reduce the risk of borrowing. 因此,它近年来发展迅速,特别是受到小资金的需求和缺乏抵押物的中小企业。信的保险业务的发展已经变得越来越普遍。以平安产险为例,信保险业务已自2011年1月启动,提供了近20000的客户资金约9亿贷款保证保险。此外,平安产险、中银保险、阳光保险等保险公司也推出了小额贷款保证保险,这相当于中国银行和广发银行分别,而平安产险在中山平安银行、中国光大银行、农业银行和东亚的其他公司银行合作。信用保证保险的成本较高,主要是由于贷款成本包括银行贷款利息和信用保证保险费两部分,它是根据客户信用信息由银行和保险公司收集。由于承保的风险主要在于被保险人是否能偿还银行对时间的不确定性,保险公司也将通过信用信息系统识别客户资质、内部异常的列表,以及债务收入比规避风险。具体的保费和保险金额是根据被保险人的信用状况,即贷款人的贷款需求。以“中小企业贷款保证保险”推出的中银保险2013为例。本产品是与中国的个人信贷业务的银行的“商贷通”产品的开发和发展,贷款本金的保险是由中国银行。上一年,高达300000元的贷款支持,不需要提供抵押担保的,可以采取分期付款或按月付息,一次性还款的还款方式。进一步的阅读

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