Research On The Financing Guarantee Mode Of "4321" In Anhui Province

In recent years,with the call of "mass entrepreneurship,mass innovation ",the important role of small and micro enterprises in social and economic development is gradually reflected.Small and micro enterprises in the social and economic development,can play its development flexible,easy to supervise,provide more posts and other characteristics.In the economic development of Anhui Province,the contribution of small and micro enterprises can not be ignored,and the urban belt of Anhui River,as a demonstration area to undertake industrial transfer,provides a good environment for the healthy development of small and micro enterprises.By the end of 2018,the number of small and micro enterprises in Anhui Province has exceeded 1 million,contributing a large proportion of taxes,GDP and Employment.Therefore,how to solve the small and micro enterprises in the development of the financial dilemma is very important.With the rapid development of financing guarantee industry,it has become an important way to solve the financing problem of small and micro enterprises by financing guarantee institutions for enterprises that need funds.In order to solve the financing problem of small and micro enterprises in Anhui Province,the "4321" government and bank guarantee mode of "local finance of loan bank of Anhui guarantee group financing guarantee institution" was introduced,and the financing guarantee risk of small and micro enterprises was divided into four parts,which were borne by four different institutions respectively.This article from the model of Anhui Province Guarantee Group and the system within Starting with the business of cooperative guarantee institutions,loan banks and other financial institutions,we intend to find out the advantages of the current "4321" cooperation mode and the possible shortcomings of the model,so as to put forward reasonable suggestions for its good promotion and operation,promote the healthy development of the financing guarantee model,and finally effectively alleviate the financing difficulties of small and micro enterprises in Anhui Province,financing expensive and so on.