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一、发展银行贷款信用保险的理论思考1.银行贷款信用保险的内涵。信用是建立在诚信基础上的承诺与约期实践相结合的意愿和能力,是从属于商品和货币关系的经济范畴。信用制度的建立提高了交易的效率,节约了交易成本,使消费者的收入行为和消费行为在时间上发生分离,但另一方面,人
First, the theoretical thinking of the development bank loan credit insurance 1. The concept of bank loan credit insurance. Credit is the willingness and ability to combine promises based on good faith with contractual practices, and subordinate to the economic categories of commodity and monetary relations. The establishment of the credit system improves the efficiency of the transaction, saves the transaction cost and separates the consumer’s income behavior from the consumption behavior in time. On the other hand,