Research On Supervision System Of China’s Financial Guarantee Organization

With the requirements of the market in China continues to open up and economic growth, small and medium enterprises with its flexible form, a keen nose for the market and the inherent advantages of quick strain to the market has become an important part to the development China’s economic. So that on one hand more financing needs come from those enterprises,on the other hand Financing support become very hard to Achieve because of the Tightening policy of China. To solve this problem, the financial guarantee companies have come into being, After more than ten years of development, China’s financing guarantee company has begun to take shape, and the conduct of business is also advancing to the direction of specialization, industrialization, integrated. In this process, due to the imperfections of our existing regulatory mechanisms, and even in some areas of the absence of regulation, making more risks faced by the development of China’s financing guarantee industry, thus affecting the development of the whole industry of financing guarantee. In the past two years, relevant departments gradually recognized such a reality, a variety of regulatory measures and regulations have been made, these regulations and the promulgation of the method alleviate the lack of regulation to financial guarantee company in China at this stage situation, However, the gradual deepening of practice, these regulations and methods has been confirmed having some problems, so that it can not be able to complete the mission and purpose of supervision and regulation. How to regulate China’s financing guarantee company better in order to make China’s financing guarantee market more standardized, which participate can be able to development better has become the focus of this discussion and this article in the first place.This article has beginning with sorting out and clarifying the credit guarantee of the concept, characteristics and classification, by combining the market environment and market characteristics, comprehensive exposition and analysis of the risks faced by the present stage financing guarantee companies.Naturally leads in the analysis when facing these risks and market characteristics, the existing system of how to achieve the intended purpose.Then introduce and explain a more mature foreign systems,finally, after a combination of existing market characteristics and risk analysis, Coupled with our current regulatory system design and various problems of the implementation and the more advanced system for reference,form which I think can solve the industry of China’s financing guarantee system design recommendations.