Research On The Risk Of Beijing Financing Guarantee Industry

In the 21st century, the financial industry is developing rapidly in our country, a large number of financial institutions developed in various places in China. They play a big role in promoting the local economic development and promoting people’s living standards. Banks, funds, securities, insurance and other large financial institutions also took the opportunity to get a rapid development in the scale and profitability levels, at the same time, many other types of financial institutions also get repid development, for example, financing guarantee company, after 20 years of rapid development, has become an important part of the financial sector.Financing Guarantee Corporation has been able to achieve rapid development, because it has a significant role in the development of local small and medium enterprises, as well as the improvement of the living standards of the people. On the one hand, the financing Guarantee corporation effectively ease the financing difficulties of local companys, on the other hand, the financing Guarantee Corporation to promote the effective use of funds, but also with the financial sector continues to open, between the financial companies more closely linked, once the financing guarantee company danger, will affect the regional economy and even national economy.In this paper, we first introduce some theories about the development and risk of the financing guarantee industry and describe some characteristics of the risk of the financing guarantee industry.Secondly, we will analyze the current status of Beijing’s current financing guarantee industry, analysis of the development of financing Guarantee Corporation, and analysis of the risk of the existence of the current risk prevention and control problems.At last, the paper uses case two analysis, introduce guarantee companys bankruptcies, We will analyze the problem of exposure and the way to solve it. This paper finally puts forward some suggestions, including perfecting laws and regulations and the external supervision system and so on. Establish a good external and internal environment for the Financing guarantee industry.