CAJ | 학술논문

本文通过对陕西省小额信贷保险发展状况的调查，全面了解陕西省小额信贷保险发展的情况，并剖析当前陕西省小额信贷保险发展中所暴露出的政府政策支持力度不强、保险范围窄、银行开展小额信贷保险热情不高等发展瓶颈。最后，从加强政策支持、提高保险覆盖范围、营造有利于小额信贷保险发展的外部环境等方面提出了相关政策建议。
본문통과대합서성소액신대보험발전상황적조사，전면료해합서성소액신대보험발전적정황，병부석당전합서성소액신대보험발전중소폭로출적정부정책지지력도불강、보험범위착、은행개전소액신대보험열정불고등발전병경。최후，종가강정책지지、제고보험복개범위、영조유리우소액신대보험발전적외부배경등방면제출료상관정책건의。
Through the investigation on the development status of the micro-credit insurance in Shaanxi, the paper makes a com-prehensive understanding of the situation of the micro-credit insurance in Shaanxi, and analyzes the bottlenecks that have exposed in the development of the micro-credit insurance in Shaanxi, which is that the government policy support is not strong, the insurance coverage is narrow, and banks are not enthusiastic in developing the micro-credit insurance. Finally, the paper puts forward relevant policy suggestions from such aspects as strengthening the policy support, improving the insurance coverage and constructing the exter-nal environment conducive to the development of micro-credit insurance.