Research On Risk Control Of Financing Guarantee Industry In Anhui Province

In the times of mass entrepreneurship and the times of innovation of the public,small and medium-sized micro-enterprises have become an important force to promote the economic growth of the whole country,but at the same time,the problem of financing is becoming the bottleneck of development.With the development of the domestic credit market,the financing guarantee industry is beginning to appear,and the financing guarantee business gradually becomes an effective way to solve the financing problem of the small and medium-sized enterprises.In view of the current development situation of the whole financing guarantee industry,the risk of insufficient supervision,centralized compensation,improper disposal of non-performing assets and other risks is a serious threat to the stability and the continuity of the operation of the financing guarantee institution,so the risk control layout of the regional financing guarantee industry is enhanced,and the hiding property is recognized in time It is very important to cut off the transmission of financial risk and reduce the destructive effect of financial risk.On the basis of studying the literature of financing guarantee and industry risk control at home and abroad,this paper chooses the financing guarantee industry of Anhui Province as the research scope,and tries to study the complete means of risk control of financing guarantee industry.In order to achieve the lack of risk control of financing guarantee industry in Anhui Province,the purpose is to put forward targeted suggestions.First of all,on the basis of clear research background and significance,this paper determines the research methods,clarifies the research ideas,and focuses on the financing guarantee and industry risk control related research literature,which lays a foundation for the later research.Then,to the type,number and region of financing guarantee institution in Anhui province The present situation of the development of the industrial development in Anhui Province is analyzed in detail,and the development data of the guarantee balance,the guarantee magnification and the credit rating of the financing guarantee industry in Anhui Province in recent years are taken.The paper summarizes the role of the policy financing guarantee mechanism and the development characteristics of the industry in which the credit level of the financing guarantee institutions of the whole province is rising,and sorts out the compensation concentration risk,the disposal risk of the non-performing assets,the market competition risk,the legal policy risk and so on.On the basis of this,the risk control system of the financing guarantee industry in Anhui Province is based on the risk control of the financing guarantee mechanism,and the system of supervision and self-discipline,the mechanism of risk transfer and the legal policy are regulated.A summary is made and the deficiencies therein are pointed out.Finally,by using the mature experience of Germany and Japan in the guarantee system,it is proposed to improve the risk control system of the financial security industry in Anhui Province.Through the above research and analysis,this paper draws the following conclusions:first,strengthening the risk control means of financing guarantee institutions is the basis of industry risk control;Through improving the risk identification ability and risk management technology of the financing guarantee institution,strengthening the risk management talent reserve to enhance their own risk control ability.Second,the risk control of financing guarantee industry needs to have perfect supervision and self-discipline system;We will identify regulatory bodies and self-regulatory organizations in the financing guarantee industry,and constantly improve the level of supervision,increase the influence of self-regulatory organizations in the industry,and form a regional regulatory system that is dominated by regulatory bodies and supplemented by industry self-regulatory organizations.Effective prevention and control Regional financing guarantee industry risks.Third,establish a complete regional financing guarantee industry risk transfer mechanism;From the establishment of risk sharing mechanism,risk compensation mechanism,industry liquidity support and non-performing assets disposal guarantee mechanism,we can change the bad situation of the financing guarantee institution,and strengthen the risk transfer means of the financing guarantee industry.Reduce the disruption of risk outbreaks to the financing guarantee industry.Fourth,improve legislation and formulate financing guarantee industry to promote the development of policies.The perfect legal system is the guarantee for the healthy operation of the financing guarantee industry,the basis for the implementation of the risk prevention and control system,and the favorable policy environment at the same time.To enhance the financing guarantee industry anti-risk capability.