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摘要
近年来，内蒙古保险业发展迅速，保险业资产规模和保障能力稳步提升，信
用保证保险作为内蒙古保险业的重要组成部分，在促进出口贸易发展、促进中小
企业融资、支持消费信贷、促进经济发展方面的作用越来越突出。尤其是面临国
家和地区经济发展速度下降，实体经济活力不高的发展现状，信用保证保险更是
国家促进中小企业、外贸出口企业发展的重要调节工具。但信用保证保险作为较
新的保险险种，其发展过程中还存在着很多问题尚需完善
本文以内蒙古信用保证保险行业发展为范本展开研究。首先，文章对内蒙古
自治区近十年来信用保证保险行业的总体发展情况以及其与全国发展情况进行了
比对和论述，并且突出介绍了内蒙古自治区信用保证保险的两种业务模式及其业
务开展现状。其次，在充分研究内蒙古信用保证保险发展特点的基础上，提出了
业务发展中存在的问题，并逐条逐项挖掘其深层次原因。再次，研究美国、日本
等先进国家相关业务开展经验，并总结其发展特点。最后，根据内蒙古信用保证
保险业务实际，就解决内蒙古地区信用保证保险业务发展中存在的问题，对症提
出构建良好外部环境、建立风险分担机制、强化风险控制体系、提高公司人员素
质及加大推广力度等五条对策和改进措施，以求对内蒙古自治区信用保证保险业
务起到积极的促进作用
关键词：信用保证保险，个人信用贷款，保险融资职能，银行保险合作
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Abstract
In recent years, the insurance industry in Inner Mongolia has developed rapidly,
and the insurance assets scale and guarantee ability have been steadily improved. As an
important part of Inner Mongolia insurance industry, credit guarantee insurance has
played an increasingly prominent role in promoting the development of export trade,
promoting the financing of small and medium-sized enterprises, supporting consumer
credit and promoting economic development. Especially in the face of the declining
economic development speed of the country and the region, the development status of
the real economy is not high, and the credit guarantee insurance is an important
adjustment tool for the state to promote the development of small and medium-sized
enterprises and foreign trade export enterprises. However, the credit guarantee insurance
is a relatively new insurance cover. A number of problems still need to be improved
during its development.
This article is based on the confidence of the Inner Mongolia insurance industry.
First of all, this article compares and discusses the overall development of insurance
industry and its development situation in Inner Mongolia autonomous region in the last
ten years, and highlights the two business models of credit guarantee insurance in Inner
Mongolia autonomous region and its business development status. Secondly, on the
basis of fully studying the development characteristics of Inner Mongolia credit
guarantee insurance, this paper puts forward the existing problems in the business
development, and explores the deep-rooted reasons item by item. Thirdly, we will study
the relevant experiences of advanced countries, such as us and Japan, and summarize
the development characteristics. Lastly, in accordance with that reality of the insurance
business of Inner Mongolia credit guarantee business, it solve the problems exist in the
development of the credit insurance business in Inner Mongolia, and puts forward five
countermeasures and improve measures such as building a good external environment,
establishing a risk sharing mechanism, strengthening the risk control system, enhancing
the personnel quality of the company and strengthening the popularization, so as to play
a positive role in the promotion of the credit guarantee insurance business in Inner
Mongolia.
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Key words: credit guarantee insurance, individual unsecured loan, financing function of
insurance, bank-insurance cooperation。