保证保险贷款作为银行、保险合作或银行、保险和政府三方合作的一种全新领域,呈快速发展势头,解决了部分群体因缺乏有效抵押担保而无法从银行机构获得贷款的问题。由于目前银行、保险合作多为保险公司承担全部代偿责任,因此,对于保险公司而言,是一种高风险业务。经调查研究,当前的风险点主要集中在以下几方面:一是借款客户收入高估的风险,即贷款额度偏离其实际承压能力的风险。二是保险公司缺乏综合系统的评判标准,无法对借款 As an entirely new area of ​​bank, insurance cooperation or trilateral cooperation between banks, insurance and government, insurance loans have shown rapid growth and solved the problem that some groups can not obtain loans from banking institutions due to lack of effective mortgage guarantee. As the current bank, insurance cooperation and more for the insurance company assume full responsibility for compensation, therefore, for the insurance company, is a high-risk business. After investigation, the current risk points mainly focus on the following aspects: First, the risk of over-estimated borrowers’ income, that is, the risk that the loan amount deviates from its actual pressure capacity. Second, insurance companies lack the comprehensive system of evaluation criteria, unable to borrow