Study On The Dilemma Of Private Guarantee Corporation Development

With the development of small and micro enterprises,the financing demand has given rise to the rapid development of the security industry.Since the first established a guarantee company,the security industry has developed for 20 years.Large state-owned guarantee company required strictly,mostly facing some big companies and qualification good small and medium-sized enterprises,but it can't fully meet the needs of small and medium-sized enterprise financing guarantee.So the private security company develop rapidly and grow up.In the process of rapid growth,the private guarantee companies have a lot of problems,and they are in a dilemma.The private security companies across the country broke out "run boom" and "failures"and gust of illegal fund-raising run events have a bad influence to guarantee industry,Banks,in micro,small and medium enterprises,social stability and national economic development.Private security companies play an important role in solving the problem of our country small and medium-sized enterprise financing difficulties.When the road of private assurance is closed,the development of micro,small and medium enterprises will be more difficult.This paper studies the predicament of private guaranty company in China.First sum up our country the development of private security companies,according to the situation of the development of private security companies,including private security companies in our country from the absolute predominance of quantity.With financing guarantee industry in insurance balance increased year by year,as well as the business diversification trend,the legal system gradually perfected,further expounds that the private security company play a role in the solution to the problem of micro,small and medium enterprises financing difficulties.Then introduced the plight of private security companies in our country,including increasing incidents in credit risk,operational risk,facing bankruptcy risk,compensatory pressure,relatively insufficient guarantee ability,and the influence that a series of risk events made for the private security company reputation,make commercial Banks began to cut off the cooperation with private security company.Next amid at these difficulties that private security companies faced,the paper settled and chose the relatively clear fact investigation and representative cases to analyze the cause of the private security company in trouble from the private security company's external environment and its own condition.From the external environment,the economic downturn impact on small and medium enterprises.At the same time,it makes the private security company in compensatory crisis.However,the national policy and commercial Banks are showed on the orientation of state-owned guarantee company,making the private security company is struggling,and unsound regulatory system as well as private security crisis all over the country show the regional transfer effect,making private security companies with poor reputation environment,public trust for the private security company reduced.For the private security firm itself,the article combed a series of irregularities the private security company made,classification analyzes the poorly run results that the violate compasses operation caused in private security company as well as the risk between private security company's business income and exposure completely does not match.Lacking of private security company's capital,the private security company management showed problems,and private security company on professional talents are lacking.Finally,through for the cause of private security companies appear problem,the study puts forward suggestions respectively from the build support private guarantee for the development of the external environment as well as private guarantee to strengthen the management and how to its complementary role in guarantee system.From the outside,it is mainly from the strengthening supervision,improving the legal system,the government giving policies,and establishing a good relationship with the bank.For the private security firm itself,advice is given mainly from guaranteeing companies increase guarantee business varieties,capital increase,improving their risk control mechanism,strengthening professional personnel training and so on.