据了解,太平保险公司可能在近期推出与中小企业融资密切相关的新业务的——“中小企业贷款保证保险”。太平保险已经向保监会提交了开展这一业务的申请,并于日前在保监会获得正式备案。另据了解,太平保险已经在同工商银行就开展企业贷款保证保险一事进行接触,并很有可能在太平保险的总部所在地深圳首先进行试点。 新险种的可行性分析 对于此项新业务,有保险业人士表示,它实属履约保险中的一种,在国外,这种业务比较普遍,在国内,针对个人贷款的履约保险如汽车消费和住房按揭等的保险业务也比较多,但专门针对企业贷款开展的保 It is understood that the Pacific Insurance Company may be introduced in the near future is closely related to SME financing new business - “SME loan guarantee insurance.” Taiping Insurance has submitted its application to the CIRC for its commencement of this business and formally filed the case with the CIRC recently. It is also understood that Taiping Insurance has been in contact with ICBC for undertaking corporate loan guarantee insurance and is likely to conduct pilot projects in Shenzhen, the headquarters of Taiping Insurance. Feasibility analysis of the new insurance For this new business, some insurance industry said it is actually a kind of performance insurance in foreign countries, this business is more common in the country, the performance of personal loans for personal insurance such as automobile consumption and Housing mortgages and other insurance business is also more, but specifically for corporate loans to carry out the insurance