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机动车辆消费贷款保证保险业务的推出,为化解银行信贷风险、促进个人机动车辆消费、扩大保险业务范围都起到了一定的积极作用。但由于中国市场经济信用体系尚未建立起来,机动车辆消费贷款保证保险的属性不清,一些保险公司为此付出了惨痛的代价,并迅速地退出了这一市场;个别保险公司虽然还在这一市场中搏击,但也已是伤痕累累,处在进退两难的境地。为了使该项业务健康地发展,并确保保险人有充足的偿付能力,很有必要对此进行重新探讨。
The introduction of consumer loan guarantee insurance business for motor vehicles has played a positive role in resolving bank credit risk, promoting the consumption of personal motor vehicles and expanding the insurance business. However, due to the fact that China’s market economy credit system has not yet been established, the attributes of consumer loan guarantee insurance for motor vehicles are unclear. Some insurance companies have paid a painful price for this and have quickly withdrawn from the market. Although individual insurance companies are still in this market Fighting in the market, but it is also scarred, in a dilemma. In order for this business to develop healthily and ensure that insurers have sufficient solvency, it is necessary to revisit this.