大连理工大学专业学位硕士学位论文
摘
要
当前，“双循环”的新发展格局下，扩大内需是拉动经济增长的“主引擎”，而扩
大内需的关键在于刺激消费需求。其中，发展消费金融作为刺激消费需求的重要着力点
受到了广泛关注，为缓释消费金融行业风险、促进居民消费，保险公司推出了个人信用
贷款保证保险业务。
目前，在消费金融行业高速增长的带动下，个人信用贷款保证保险业务蓬勃发展，
多家保险主体相继推出了个人信用贷款保证保险业务，发展情况却不容乐观。整体来看，
赔付率较高并呈亏损的状态，资产质量偏低。因此，本文以 R公司为例，对个人信用贷
款保证保险业务进行深入剖析，发现其中存在的问题，提出切实可行的意见及改善措施
以规避信用风险、降低赔付率，促进 R公司乃至全国同行业该业务的健康发展，拉动我
国消费金融市场和居民消费的增长。
本文发现 R公司个人信用贷款保证保险业务的风险主要有投保人的信用风险、合作
银行的道德风险、以及内部的运营操作风险。其中，投保人信用风险与经济周期、紧急
情况的发生、投保人自身的道德约束力以及信用意识淡薄等因素密切相关；合作银行的
道德风险是由于信息不对称造成的；内部的运营操作风险则主要因为相关从业人员未按
照信贷流程严格审批、过度追求业绩、以及综合素质不高引起的。
据此，本文提出通过丰富风险识别手段、完善贷前调查情况、总结逾期客户特征等
来加强 R公司该业务的风险识别，严格控制投保人信用风险；通过制度化面签流程、完
善贷前审核流程来规避可能存在的道德风险；通过完善从业人员的培训体系、优化员工
考核机制、完善人员流动机制来加强 R公司相关从业人员的管理，以期有效防范操作风
险的发生。为了使这些措施落地见效，切实优化 R公司个人信用贷款保证保险业务的风
险管理，本文还从企业文化建设和信息化水平两方面提供了保障措施。
关键词：个人信用贷款；保证保险；风险管理；优化措施
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R公司个人信用贷款保证保险风险管理研究
Research on Risk Management of Personal Credit Guarantee Insurance in
R Company
Abstract
In the new “double cycle” development pattern recently, expanding domestic demand is
the “main engine” of driving economic growth. And in order to mitigate the risks of the
consumer finance and promote resident consumption, insurance companies have launched
personal credit loan guarantee insurance business.
At present, driven by the rapid growth of the consumer finance industry, personal credit
loan guarantee insurance business is booming. Insurance companies have launched personal
credit loan guarantee insurance business one after another. On the whole, the loss ratio of
existing personal credit loan guarantee insurance business is high, business loss is high.
Therefore, taking company R as an example, this paper deeply analyzes the personal credit loan
guarantee insurance business, try to find existing problems, then put forward practical
suggestions and improvement measures to avoid credit risk, reduce the loss ratio, and promote
the sound development of company R and the whole industry in China.
This paper finds that the main risk of personal credit loan guarantee insurance business in
company R includes the credit risk of the policyholder, the moral risk of the cooperating banks,
and the internal operation risk of company R. In detail, the credit risk of policy-holders is
closely related to the economic cycle, the occurrence of emergencies, the own moral binding
force and weak credit awareness of policy-holders; the moral hazard of cooperating banks is
caused by information asymmetry; the internal operational risk is mainly caused by the
violation of credit process of relevant employees, excessive pursuit of performance and low
comprehensive quality.
Accordingly, this paper is proposed to optimize the risk recognition of personal credit loan
guarantee insurance business of company R by enriching recognition methods, improving
pre-loan survey and summarizing features of overdue policy-holder; avoid potential moral
hazard by institutionalizing operation process and improve pre loan review process; defend the
risks effectively and strengthening management of employees in company R by improving the
training system for employees, optimizing employee assessment mechanism and improving
management mechanism of mobile employees.
Key Words：Personal Credit loan; Guarantee Insurance; Risk Management; Business
Improvement
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大连理工大学专业学位硕士学位论文
目录
摘
要.............................................................................................................................I
Abstract ............................................................................................................................. II
1绪论.............................................................................................................................. 1
1.1研究背景........................................................................................................... 1
1.2研究目的和意义............................................................................................... 2
1.2.1研究目的................................................................................................ 2
1.2.2研究意义................................................................................................ 2
1.3研究现状........................................................................................................... 3
1.3.1国外研究现状........................................................................................ 3
1.3.2国内研究现状........................................................................................ 4
1.3.3文献评述................................................................................................ 5
1.4研究思路与方法............................................................................................... 5
1.5研究内容及结构安排....................................................................................... 6
2相关概念及理论基础.................................................................................................. 8
2.1个人信用贷款保证保险相关介绍................................................................... 8
2.1.1定义与内涵............................................................................................ 8
2.1.2作用与功能............................................................................................ 8
2.1.3基本特点................................................................................................ 8
2.1.4与传统保险、担保业务区别................................................................ 9
2.2个人信用贷款保证保险风险管理相关理论................................................. 10
2.2.1风险管理概论...................................................................................... 10
2.2.2信用风险管理理论.............................................................................. 10
2.2.3道德风险管理理论.............................................................................. 12
2.2.4操作风险管理理论.............................................................................. 12
2.3个人信用贷款保证保险风险管理工具......................................................... 13
2.3.1 FICO评分系统.................................................................................... 13
2.3.2经验评判法.......................................................................................... 13
2.3.3两种方法之间的比较.......................................................................... 14
3 R公司个人贷款保证保险的风险管理现状 ............................................................ 15
3.1 R公司概况 ..................................................................................................... 15
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