Research On Risk Control Of Policy-based Renewal Of Over-bridge Business In Anhui Province

Small and medium-sized enterprises(SMEs)are important participants in"mass entrepreneurship,innovation"and play an important role in maintaining the stability and healthy development of our national economy.However,the difficulty and high cost of financing have always been the bottleneck restricting their development.In the trillion-level financing market of SMEs,only about 17%of SMEs can obtain financing from traditional finance.At present,the small and medium-sized micro-enterprises owned by Anhui Province,similarly,although contributing a higher tax rate,promoting employment rate,contributing more than 50%of the province's economy,but the financial support can not match its contribution,Anhui Province actively explores the mode of establishing renewal funds through financial funds Policy loan renewal came out to help enterprises solve the problem of credit breakpoints.Most enterprises have credit breakpoints because there is a time lag between business return and maturity date of bank loans.Enterprise capital return lags behind the maturity date of bank loans and can not provide sufficient liquidity funds to repay loans,not because of the breakdown of capital chain caused by their own poor operation.Therefore,relying on loan renewal and bridge-crossing funds,most small and medium-sized enterprises can operate normally.However.,in the absence of policy-based renexwal and bridge-crossing business,according to the principle of market supply and demand,the funds for renewal and bridge-crossing are scarce,while the demand of small and medium-sized micro enterprises is strong,resulting in higher interest rates for non-policy-based renewal and bridge-crossing business,and enterprises bear larger interest costs.This policy not only effectively solves the credit shortcomings of small and medium-sized enterprises,but also effectively solves the contradiction between supply and demand in the market,reduces the financing cost of enterprises,and promotes the healthy and sustainable development of small and medium-sized enterprises.This makes more and more enterprises obtain the transitional period through the policy renewal funds,and the problems and risks of the policy renewal bridge business gradually appear.In order to make the business play a better role,it is necessary to study the risk control measures of the policy renewal bridge business.Firstly,this paper gives a detailed introduction to the renewal of loans through bridges,including the background of its emergence,the main existing modes of operation,and leads to the introduction of renewal of loans through bridges refers to enterprise renewal.Then,it elaborates the source of funds for renewal and bridge-crossing,divides the renewal and bridge-crossing business into policy renewal and non-policy renewal and bridge-crossing business,and leads to the object of this paper-policy renewal and bridge-crossing business.Then it introduces the differences between policy-based and non-policy-based renewal bridging business,mainly including:different sources of funds,different lending targets,different loan costs,whether profit-oriented or not,different risk.It illustrates that policy-based renewal bridging business has the advantages of not profit-oriented,low interest rate,and the establishment of financial funds to serve small and medium-sized enterprises.Secondly,this paper introduces the development status of policy-based renewal bridge-crossing in Anhui Province from two aspects.First,it introduces the general situation,then introduces the relevant supporting policies of policy-based renewal bridge-crossing business,and then points out the existing problems and risk status of policy-based renewal bridge-crossing.This paper expounds the achievements of the policy-based renewal and bridge-crossing business,affirms the contribution of this policy to the solution of financing difficulties and expensive financing for small and medium-sized enterprises,and points out the problems and risks that need to be guarded against in this business.Finally,through a specific case of Xingtai Guarantee Corporation's renewal and bridge business,this paper shows in detail the process of risk auditing of policy renewal and bridge business,and summarizes the process of wind control.On the basis of absorbing the relevant experience of risk control of Xingtai Guarantee Fund Company's renewal and bridge-crossing business,the paper combines the existing risks.Finally,the paper puts forward some suggestions to prevent the risk of policy renewal bridging,so as to make policy renewal bridging better serve small and medium-sized enterprises.This paper introduces the wind control process in detail through specific cases,which is of great significance for other provinces and municipalities in China to learn from Anhui Province's policy-based renewal and bridge-crossing mode.