Research On Government Supervision And Countermeasures Of Financing Guarantee Industry In Sichuan Province

In recent years,financing guarantee has gradually become a new force of inclusive finance,playing its role as financial living water and making positive contributions to solving the problem of difficult and expensive financing for small,medium and micro enterprises and "three rural" enterprises.During the past 20 year,China’s financing guarantee industry has continued to grow and its structure has been improved,showing a steady development trend overall.However,due to the impact of the global economic downturn and the poor management of small,medium and micro enterprises（guaranteed enterprises）,the compensation risk of the entire financing guarantee industry still remains high,and the problems such as frequent violations of laws and regulations,imperfect internal control system and uneven development level are still prominent.In comparison to western developed countries,China’s financing guarantee industry started in the early 1990s and lately.And it lacked experience,had imperfect supervision system construction and supporting measures and many other adverse factors.The risk problems of the industry began to be gradually exposed,which has a certain impact on the security of the entire financial system.Therefore,it has important realistic meaning for us to study how to strengthen the government supervision of the financing guarantee industry in Sichuan Province,improve its supervision system,and ensure that the risks of the financing guarantee industry are controllable,so as to the development of the guarantee industry and preventing systemic financial risks.This thesis takes the government supervision of Sichuan Province financing guarantee industry as the research subject.Firstly,this thesis describes the research background and significance,the overseas and domestic research status and their reviews,research purposes,contents and ideas,and the innovation and shortcomings of the thesis.Secondly,it defines the related concepts of financing guarantee and government supervision,analyzes the basic supervision elements of financing guarantee and the feasibility of supervision,and then puts forward the relevant theories of supervision and builds a theoretical framework for me to provide necessary evidence for the subsequent analysis of the development and supervision status of financing guarantee industry in Sichuan Province.Thirdly,it expounds the current situation of government development and supervision of the financing guarantee industry in Sichuan Province.By consulting a large number of documents and interviewing relevant people,from the perspective of public goods theory,the author summarizes the four development history and current situation of domestic financing guarantee industry supervision.From the perspective of regulatory authorities and guarantee institutions,the author sorts out the regulatory status,and analyzes the development status and main characteristics of the financing guarantee industry of Sichuan Province under supervision.Fourth,through the questionnaire and discussion,the author found and put forward the problems existing in the government supervision,including including multiple levels of supervision,the backward construction of the government supervision system,insufficient development momentum of supervision objects,the insufficient supervision capacity,the unreasonable bank risk sharing mechanism,etc.Then the author further analyze of the causes of the government supervision problems of the financing guarantee industry in Sichuan Province,and obtains the reasons for the problems combined with the practical experience.Finally,in order to improve the efficiency of government supervision of financing guarantee industry in Sichuan Province and reverse the current passive situation,the author puts forward some suggestions to improve the supervision system of financing guarantee industry in Sichuan Province.