A Study On The Supervision Of The Guarantee Industry In Henan Province

The development of guarantee industry in Henan Province began at the beginning of this century, which came into being with the development of economy and society, and gradually formed the so-called "Henan guarantee" mode. Especially in 2008 to 2011 4 years, the province's security companies sprung up around the city, Pingdingshan W District, the security company from the end of 2007 a rapid development of 10.As the security companies in Pingdingshan City, Henan Province, and the country are new things, a short history, but the rapid development of the early stages of development, a variety of problems are hidden in a thriving, vigorous development behind, but since 2011 Year, the security industry has gradually began to highlight the deep, some security companies in Henan Province due to funding strand breaks or illegal fund-raising and other issues have been running, the security industry is facing an overall collapse, the financial environment also will deteriorate rapidly, and great Of the impact to the development of the real economy, and even a regional banking system there have been systemic risks, great proliferation, the spread of the trend. Up to now, only Pingdingshan W District security companies to participate in fund-raising more than 10,000 people, involving 2.6 billion yuan of funds, such a huge number of really shocking, today, in the stability of the overwhelming environment, combat and disposal of security companies Suspected of illegal fund-raising is still the first task of municipal governments around. What are the problems in the supervision of the guarantee industry, and what are the causes of these problems, and how to perfect the supervision system to supervise the guarantee industry from the root causes is an important problem that we need to solve.This paper is divided into five chapters altogether: The first chapter introduces the background of this thesis and the meaning of the selected topic, and then puts forward the methods, ideas and framework of the research on the basis of comprehensive analysis of domestic and international research situation. The second chapter summarizes the conceptual issues such as the supervision subject, the supervision object, the supervision mechanism and the supervision meaning of the guarantee industry, which paves the way for the whole discussion. The third chapter reviews the development history of the guarantee industry in W District of Pingdingshan City, and makes an intuitive discussion on the supervision practice of Pingdingshan City W District's guarantee industry by using the cases of suspected illegal fund-raising by Zhonglianyuan Guarantee Company of Pingdingshan City W District. An Analysis of the Problems in the Supervision of the Guarantee Industry and the Reasons. The fourth chapter analyzes the existing problems in the supervision of W District of Pingdingshan City from the aspects of supervision subject, supervision team construction, division of responsibility, supervisory execution power and long supervision. The causes of the problems are analyzed, The author points out that there are some problems in the supervision of W District of Pingdingshan City, such as the lack of supervision basis, the lack of follow-up regulations, the lack of coercive measures, the imbalance of rights and obligations, the imbalance of supervisory powers and responsibilities, the administration of industry associations, Kidnapping and policy exploration errors and other aspects. The fifth chapter puts forward their own opinions on perfecting the supervisory countermeasure of the guarantee industry in Henan province, which is put forward from four aspects: improving the legal system construction, enhancing the execution of the supervisory system, building the high-quality supervisory team and cultivating the mature third party supervision body. This article takes Pingdingshan W District as a microcosm, analyzes the problems of the supervision system of the guarantee industry one by one and points out the reasons why the problem exists. It analyzes why the guarantee industry is difficult to supervise and supervises. A certain practical significance.