国内商业信用保险发展研究-保险专业论文.docxVIP

DOMEST DOMEST I C COMMERC I AL CRED I T l NSURANCE DEVELOPMENT RESEARCH ABSTRACT The weak world economy leads to the weakness of our country export and the traditional export—driven economy mode of operation has shown its drawbacks．So，the government decided to transform the pattern of economic development from export·led to expansion of domestic demand·led to reduce the risk of the dependence on external economy．In our country now,at the same time，the total retail sales of social consumer goods has reached 27 trillion yuan and huge amount of domestic trade needs for effective risk aversion．Domestic commercial credit insurance plays a big role in protecting domestic trade，stabilizing the economy,it also Can improve the credibility of the enterprise，make it easier for companies to get funding，revitalize the capital of the enterprise，promote economic development．Therefore， our country promotes the development of the domestic commercial credit insurance in recent years，the insurance companies also trying to explore its development path．This paper carries out studies，basing on the background of the formation，in order to contribute to the inadequate current research on domestic commercial credit insurance This article contains five parts，the first part is introduction，introducing the background， significance and research situation at home and abroad of the selected topic；The second part introduces the development status quo of domestic trade credit insurance in our country， analysises the urgency and feasibility of the development；The third part discusses the problems and constraints existing in the development of domestic trade credit insurance in detail；The fourth part summarizes the developing experience of South Korea，the United States，Japan，and puts forward the thoughts and methods worthing of learning；The fifth part， on the basis of discourse analysis in the front，puts forward some reasonable proposals in view of the problems as follow：The govemrnent should establi