消费信贷保证保险业务开办时间不长就面临停办、缓办的局面 ,究其原因是多方面的 ,如社会信用基础薄弱 ,银行盲目竞争 ,产品设计缺陷等 ,但真正的原因却是来自保险公司自身 ,即管理不到位。加强和改善消费信贷保证保险业务的经营管理 ,对于防范和化解保险业风险 ,促进保险业的健康发展具有重要而现实意义。保险公司应提高对消费信贷保证保险重要性的认识 ;强化内部管理 ;加快改革步伐 ;规范消费信贷保证保险业务的经营活动 ,确保消费信贷保证保险业务健康发展 Consumer credit guarantee insurance business is not open for a long time to face the suspension, to ease the situation for several reasons, such as social credit base is weak, bank blind competition, product design flaws, but the real reason is from the insurance company Self, that management is not in place. To strengthen and improve the operation and management of the consumer credit guarantee insurance business is of great and realistic significance for preventing and resolving the risk of the insurance industry and promoting the healthy development of the insurance industry. Insurance companies should raise their awareness of the importance of consumer credit guarantee insurance; strengthen internal management; accelerate the pace of reform; standardize the operation of consumer credit guarantee insurance business and ensure the healthy development of consumer credit guarantee insurance business