保險產品為小微企業提供“信用保證”
Date: 2013-11-21
News Type:
據大陸媒體報導，“缺信用”是小微企業貸款難的重要原因，在銀行通過創新信貸產品和抵押方式服務小微企業的同時，保險公司也在致力於緩解小微企業融資難問題。目前中國平安有兩款產品對為小微企業提供增信服務，分別是“小微型企業貸款保證保險”和“個人信貸保證保險”，中國平安表示企業購買了信用保證保險產品，就能將投保單作為向銀行申請貸款的重要增信材料，並從銀行獲得貸款。保證保險採用保險公司為保險人、貸款客戶為投保人、銀行為被保險人的業務模式。作為一種增信手段，貸款保證保險產品填補了小微企業融資供需之間的空白，幫助小微型企業獲得了經營周轉資金。（來源：雙橋大陸資訊網）
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