Problems And Suggestions On The Cooperation Model Of "Political Silver Bear" In Anhui Province

With the continuous promotion of "public entrepreneurship and innovation" in our country,it is increasingly important to speed up the development of small and micro enterprises in our country.However,"financing is difficult and financing is expensive." has hindered the development of these small and micro enterprises.In Anhui province,the number of small and medium-sized enterprises accounted for more than half,in the province's economic development plays an inestimable role,at the same time reduce the unemployment rate,increase employment and improve government tax receipts,etc.These small businesses have been constrained by"difficult financing and expensive financing".To solve small micro enterprises"financing difficulties,financing expensive" problem,the Anhui province actively explore innovation of a new type of financing guarantee mode-political silver buckets,the pattern of the launch caused by other domestic provinces and highly attention and recognition from all sectors of society,and this new type of "political silver bear" financing guarantee model widely promoted in the country.Articles of Anhui new administration concept of silver bear financing guarantee mode,advantage of operating method of comparative analysis,parsing and discussion made in detail in this paper,the implementation effect,and through the concrete case analysis of the small micro enterprise in this mode operation of processes,as well as to put forward the more popular a kind of political silver bear mode-tax,the analysis of the current administration silver bear in the province to carry out the situation,explore its drawbacks,the contrast overseas mature guarantee pattern puts forward some suggestions to Anhui pattern optimization.The research of this paper is of great practical and practical significance for other provinces and cities in China to learn from the new financing guarantee model of Anhui province and accelerate the rapid development of small and micro enterprises in China.The article mainly discusses the cooperation mode of "government and the bank" through four aspects:The first level is specifically about the development of the project.Then the paper analyzes the characteristics of the project and the changes of small and micro enterprises,Banks and guarantee institutions before and after the development,mainly analyzing the benefits obtained in this model.Then it introduces the procedure of its operation,and explains the process and requirements of the project with the successful "government bank" mode of company A.Second level analysis of the current "political silver bear" to carry out the specific situation,firstly summarizes the current overall situation:at the end of 2016,a total of 16 cities and 102 counties,138 Banks financial units,124 financing guarantee institutions signed a cooperation agreement "4321";Then,through the contract situation,regional distribution,the accumulated loan situation of each guarantee institution in 2016,and the data of the balance situation,etc.In the end,the paper introduces a kind of current red-hot form of government-tax financing,and explains its basic concept and development.The third level is based on the fact that I have communicated with relevant professionals in the guarantee institution and consulted the data to find out the dilemma of the current "administrative bank" mode.New political silver bear financing guarantee pattern in Anhui province is the province's fiscal system and policy guarantee system,bank system guarantee to guarantee risk sharing between the compensatory damages system of a variety of integrated innovation,full of vitality and tenacious vitality,but because the relationship to the system,policy,and many elements,such as different stakeholders in Anhui new political silver bear financing guarantee pattern presents some problems in practical operation,compared with the developed countries has yet to be improved.The fourth level is aimed at "political silver bear" financing guarantee mode in its operation process.Some of the defects and shortcomings,puts forward improving methods,mainly through the analysis of the guarantee mode of foreign developed countries,first come to the conclusion that the security features of developed countries,and finally draw the essence,according to some optimization Suggestions are given,under the condition of our country clearly proposed can learn from German banking model,make it more perfect,more highlight role models.In this paper,the author puts forward the advantages and disadvantages of the"political silver bear" model,and gives the direction of improvement.As a form of innovation,it is important to give some support and encouragement,especially government support.Anhui model has in the nationwide promotion,this requires the government from the country's macro dimension to promulgate some laws and regulations as well as some relevant policies to support the pattern of advance and development,effectively solve the problems of small miniature enterprise growth,help its rapid development,promote the public entrepreneurship and innovation.