Research On The Policy Issues Of Policy Financing Guarantee In Suzhou City

In recent years,in order to promote the continuous development of policy-based financing guarantee institutions,China has issued a number of policies and regulations to support the development of policy-based financing guarantee institutions.There is,however,a number of issues in this sector,such as insufficient focus on the main business,weak guarantee capacity,imperfect risk-sharing compensation mechanism,etc.,and there are still problems in the construction of guarantee system,such as inadequate overall planning,insufficient play of guarantee capacity,and insufficient smooth cooperation channels between banks and insurers.In addition,the reform of state-owned enterprises is in full swing.In the reform,the financing guarantee industry is not divided into enterprises undertaking public welfare business for independent assessment.The market-oriented assessment based solely on profit and compensation rate is not conducive to the better service of policy-based financing guarantee companies to small and medium-sized enterprises.As the first industrial city in the Yangtze River Delta,The development of SMEs in Suzhou has important meaning for the promotion of Suzhou economy.Policy financing guarantee is an important way to solve the problem that medium and small enterprises have difficulty and high cost.Therefore,it has realistic significance to study Suzhou’s policy finance security.This paper provides theoretical support for the article by sorting out the relevant theories of domestic and foreign research on policy-based financing guarantee of small and medium-sized enterprises;Secondly,Analysis of the current situation of financial security agencies in Suzhou,understand the operation of Suzhou financing guarantee institutions,and find out the deficiencies of Suzhou’ s policy financing guarantee policy support by analyzing and studying the operation system,regulatory system,assessment mechanism,risk control and other aspects of There are some problems in the system of Suzhou’s financial security,such as the incomplete establishment of the government’s financial security policy;the low leverage of government funds The government’s risk prevention and control system for financing guarantee is not perfect,the assessment and evaluation mechanism is not really implemented,and the government’ s risk tolerance for compensation is low.Finally,by analyzing the causes of the problem,the government puts forward solutions on a feasible basis,including strengthening the top-level design of policy-based financing guarantee,making overall plans to formulate relevant standards in the field of financing guarantee,and improving the relevant systems and mechanisms of financing guarantee.