Research On The Legal Supervision Of China's Financial Guarantee Organization

Money is to the enterprise as the blood is to the body, Enterprise development lack of financial support will be unable to operate. And small and medium-sized enterprise is facing the biggest difficulty is a lack of financial support. Financing guarantee company rapid development not only enrich the SMEs financing way, for the small and medium-sized enterprise due to bring the rain showers, also made an indelible contribution to promote the economic development. But the overall downward due to the overall economic environment,especially after the outbreak of the sub-prime crisis has long been the negative impact of the SMEs credit problems appear frequently, at the same time the financing guarantee company legal supervision system is not sound again, imperfect legislation, financing guarantee companies in our country in recent years triggered failures again and again, financing guarantee company will face a grim future.Based on the above background, this paper emphatically discusses the financing guarantee company legal regulatory issues, from legal regulation gives Suggestions for the development of financing guarantee companies.This paper consists of five parts, the main contents are as follows:The first part Outlines the financing guarantee companies.Financing guarantee is a kind of credit guarantee, credit guarantee institutions in our country at present most of the commercial guarantee agencies. Its development has experienced from scratch, and promote the development of SMEs, greatly relieves the problem of SMEs financing difficulties. But the financing guarantee companies in rapid development at the same time also faced a series of risks.The second part combination of the U.S. and Japan financing guarantee company legal supervision system, analysis of regulation system in China, the two countries both in the system design and supervision in the way, for the perfection of supervision system in China has very important significance.The third part introduces the present situation of the financing guarantee companies in our country legal regulation, from three aspects: supervision of the subject, contents and the basis. Points out that the financing guarantee companies in our country the flaws of the legal supervision system. From the angles such as the supervisory subjects, regulatory legislation supervision, industry association analysis on problems existing in the legal supervisionsystem.The fourth part is about the improvement of the system of financing guarantee companies legal regulation. From the legislation, the body of regulation, market access and exit mechanism, industry association and internal risk supervision for a financing guarantee company supervision system in China make recommendations for the future.