Risk Analysis Of Financing Guarantee Industry In A City

China the financing guarantee industry after 23 years of development, the promotion of social credit, to help small and micro enterprises to solve the financing problem, to support the real economy development has played a crucial role, as a bridge between Small and micro businesses and bank financing,is a part of the social credit system, one of the most important is the supplement of China's financial system. Since 2014, affected by the macroeconomic impact of continued downward, the domestic part of the financing guarantee institutions, the actual controller Juankuan money, executives collectively lost contact phenomenon, the financing guarantee institutions, risk incidents,security industry has become increasingly prominent problem. A city for the guarantee industry, as part of the financing guarantee institutions of their own business is not standardized, internal control system and risk control measures is not rigorous, the lack of perfect legal supervision, lack of effective risk management system within the company, guarantee to rise sharply, Silver Bear cooperation relationship is blocked,industry risk continue to accumulate, if risk to prevent and resolve is not timely,extremely prone to regional risk.The operating status of A city financing guarantee industry, from their own security agencies, industry policy and market environment in three aspects to tease out the risk of A city financing guarantee institutions, through the analysis of the causes of risk, put forward the development ideas of solving measures to defuse the risk and feasible, the author argues that the government and the bank and guarantee agencies to work together,the government should strengthen policy guidance, to promote the Silver Bear cooperation, bank guarantee institutions should strengthen their own construction, only three parties work together, constantly enhance the three party cohesion, A city financing guarantee industry in order to survive, to prevent regional systemic risk, maintain local financial stability.