Study On The Behavior Anomie And Its Correction Of Credit Guarantee Company In China

Micro,small and medium-sized enterprises financing difficulty is a common problem that all countries have to face,due to the lack of collateral and good credit in the early days,they are very difficult to get the bank's financial support.The emergence of credit guarantee company has solved this problem greatly,for micro,small and medium-sized enterprises to apply for loans to enhance the credit.However,we should also see the flaws and defects of the credit guarantee company in the actual operation.In reality,credit guarantee companies charge a high guarantee rate and guarantee deposit,even intercept of micro,small and medium-sized enterprises bank loans for high-risk investments in order to pursue economic benefits.Through these surface phenomena,we can find out that the imbalance of the risk-sharing mechanism between cooperative banks and credit guarantee companies is an important inducement.Banks as creditors to lend to micro,small and medium-sized enterprises to obtain higher interest,and because this part of a professional credit guarantee companies to provide security,so the bank bears almost no credit risk.Credit guarantee companies are different,they charge the guarantee rate while for micro,small and medium-sized enterprises have been much,but for Credit guarantee companies are generally lower than the same period of bank loan interest rates,and they must bear the loan compensatory liability if micro,small and medium-sized enterprises can not be timely repayment.The Government has long been aware of the risk-sharing imbalance between banks and credit guarantee companies,and the relevant policies also call for the establishment of a risk-sharing mechanism.However,the proportion of risk-sharing between the two roles has not been answered.Reasonable ratio determination is the key to the establishment of the mechanism,we can refer to foreign advanced experience and domestic existing case,constantly trying to improve.It is one of the main reasons for the misconduct of the guarantee companies that the unclear understanding of the legal status about the micro,small and medium-sized enterprises credit guarantee companies and the confusion of the system function and the development goals.The traditional studies think more emphasis is placed on the identity of credit guarantee company market status and quasi financial institutions position,but we must be aware of the social responsibility assumed by the credit guarantee companies,which is an important carrier of national policy implementation.Therefore,the credit guarantee company's identity should be quasi-public product firstly,which is the main body to provide conditions for micro,small and medium-sized enterprises to get progress.At the same time,the credit guarantee company is a credit intermediary,which transfer information between the cooperative banks and micro,small and medium-sized enterprises,contributing to making a deal.After defining the legal status of the credit guarantee company,it is particularly important to plan its future direction.A good system will only become more dynamic under the guidance of the right direction.We have always stressed the role of credit guarantee companies to help micro,small and medium-sized enterprises get funding support.However,we seem to focus only on this function of guarantee companies.In fact,in the long run,to help micro,small and medium-sized enterprises financing is only an objective function of the system performance,we are more subjective to set long-term development goals for its development.Of course,the development of this objective should be combined with objective laws,combined with China's industrial policy and national economic planning.In view of this,the development of credit guarantee system is not only to solve the funding difficulties for micro,small and medium-sized enterprises,more importantly,to promote the transformation and upgrading of micro,small and medium-sized enterprises and innovative practices,to promote micro,small and medium-sized enterprises continue to grow.Only by setting a higher development goal can we promote the healthy development of the credit guarantee industry and the continuous progress of micro,small and medium-sized enterprises and the continuous prosperity of the national economy.For making the micro,small and medium-sized enterprises credit guarantee company's code of conduct more perfect,in addition to the efforts from the perspective of the legal system and government regulation,our country should also give appropriate financial support.In order to maintain its normal operation and reduce the occurrence of illegal operation,the country must support from the capital injection,the guarantee rate and the business subsidy,etc.It has been proved an indispensable and effective measure by foreign countries.Taking into account the policy characteristics of the credit guarantee system,government finance only give the guarantee company a comprehensive,systematic support,credit guarantee system can be better for micro,small and medium-sized enterprises escort.