融资性信保业务助力内循环服务中小微企业研究

万鹏??贾立文

摘  要：近年来，国家持续加强去杠杆调控，大力防范化解金融风险，信用保证保险业务逐步回归本源，更加聚焦服务实体经济、满足中小微企业融资需求。在“银+政+保”等传统融资模式下，中小微企业融资的信息不对称问题仍然较为明显，融资难、融资贵等问题尚未明显改善。研究构建“国企主导+融资机构+保险+第三方信用评估机构+中小微企业”的新信保生态圈，将能有效打通供应链上下游。文章建议强化政策引导，推动金融和实业机构联合打造新信保生态圈;明确监管导向，出台融资性信用保证保险专属政策;优化产品结构，研发新信保生态圈保险及风险管理解决方案;加强科技应用，与市场共建新信保生态圈数据治理体系。

关键词：信用保证保险;供应链金融;新信保生态圈;中小微企业

中图分类号：F840.3文献标识码：A

DOI：10.19881/j.cnki.1006-3676.2021.10.04

Research on Financing Credit Insurance Business Assisting Internal Circulation and Serving Small，Medium and Micro Enterprises

Wan Peng  Jia Liwen

（Shenzhen Research Institute of Financial Innovation，Guangdong，Shenzhen，518116）

Abstract：In recent years，the state has continued to strengthen deleveraging control，vigorously prevent and defuse financial risks，and the credit guarantee insurance business has gradually returned to its roots，focusing more on serving the real economy and meeting the financing needs of small medium and micro enterprises. Under traditional financing models such as“bank + government + insurance”，the problem of information asymmetry in financing for small，medium and micro enterprises is still more obvious，and problems such as difficulty in financing and expensive financing are difficult to significantly improve. Research and build a new credit insurance ecosystem of“state-owned enterprise-led + financing institutions + insurance + third-party credit evaluation agencies + small，medium and micro enterprises”will effectively open up the upstream and downstream of the supply chain. It is recommended to strengthen policy guidance，promote the joint creation of a new credit insurance ecosystem by financial and industrial institutions;clarify regulatory guidance and introduce exclusive policies for financing credit guarantee insurance;optimize product structure，develop new credit insurance ecosystem insurance and risk management solutions;strengthen technology applications，The market jointly builds a new credit insurance ecosystem data governance system.

Key words：Credit guarantee insurance;Supply chain finance;New credit insurance ecosystem;Small，medium and micro enterprises

作為金融业的一个重要分支，保险业发展与国家政策导向、宏观经济走势和产业结构环境息息相关。信用保证保险是围绕经济信用而创新发展出来的新兴保险业务。2012年至今，我国信用保证保险行业经历了爆发式增长和沉寂蛰伏等多个阶段，其一度成为非车险业务中的领头羊。在监管趋严、信用风险暴露加剧等客观环境下，信用保证保险正处于转型发展的关键阶段。自新冠疫情暴发以来，中小微企业融资难、融资贵问题愈发凸显，信用保证保险迎来了发展破题的机遇。保险公司能够发挥融资性信用保证保险的增信和风险管理服务优势，为中小微企业提供新的解决方案。……