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Study On Legal System Of Credit Guarantee Institutions Supervision Of China

Posted on:2012-10-01Degree:MasterType:Thesis
Country:ChinaCandidate:L M YuFull Text:PDF
GTID:2216330338456434Subject:Economic Law
Abstract/Summary:PDF Full Text Request
Market actors that formed by small-medium-sized enterprises and individual venturing are extremely important micro-actors and component parts of China's socialist market economy, its integral development directly affect the economy development of the whole country. The developing of small-medium-sized enterprises and individual venturing rely on supporting of financing, however, difficulty of finding credit guarantee is the "bottleneck" that restrict the financing of them. During the emerging of credit guarantee institutions in multitude, the problem seems to be solved in some degree. However, from the appearance to great development, the developing procedure of credit guarantee institutions in China is rapidly. Objectively speaking, it is lack of relatively theoretical and practical preparation, has no clear consideration about the positionsetting of the profession development and the risks that may occur during the developing progress development, especially it has not carefully research and deploy relatively solutions to cope with and reduce risks. From the actual developing conditions in recent years, because of risk problems behind the credit guarantee profession have accumulated so much, the developing quality of credit guarantee institutions in some places should be paid attention after great development in a period of time. At the same time, the government gives no comprehensive, normative and effective supervision, which will extremely harm to the development of guarantee profession, the financial, small-medium-sized enterprises and steady of the whole financial and economic order if the bad situation continues. Hence, if the financing difficulty of small-medium-sized enterprises want to be truly resolved, it should be start to solve the problems that existed in guarantee profession, only in this way can ensure our guarantee profession maintain healthy, normative, sustainable development. Therefore, perfection of credit guarantee institutions supervision is imperative.The paper is divided into six major parts to study the credit guarantee institutions supervision law system. The front three parts mainly introduce the necessity and feasibility of credit guarantee institutions supervision in China, basic theoretical issues of credit guarantee institutions supervision, experiments of developed countries and enlightens to the building of our credit guarantee institutions supervision law system. In the latter three parts, current situation and problems of China's credit guarantee institutions supervision are analyzed firstly. On this basis, the fifth part studies the perfection of our credit guarantee institutions supervision law system from the following aspects: clearing the overall thoughts of profession supervision, perfecting the supervision legislation system, identifying the regulatory authorities, perfecting the access and withdrawal mechanism, perfecting the risk management system, improving the accountability system and promoting the construction of credit system; meanwhile, this part puts forward some initial idea and suggestions. Finally, the sixth part makes a summary of the whole article.We believe that, although supervision of China's current credit guarantee institutions still have lots of problems, we can establish a relatively perfect credit guarantee institutions supervision law system through unremitting efforts to contribute to the financing of small and medium-sized enterprises in China, and to promote rapid, sound and sustainable development of China's economy.
Keywords/Search Tags:credit guarantees, credit guarantee institutions, supervision and perfection
PDF Full Text Request
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