Enterprise Credit Guarantee Agencies Operating Risks And Countermeasures

It's necessary to perfect the legal regime of the credit guarantee organizations for our small and middle-sized enterprises(SME), since it started late, and it's hard to control the risk, especially without good legal regime.1. The managing pattern of the enterprises credit guarantees organization. Two aspect will be explained here:A. The credit guarantee organization's appearing and developing . Here are the contents: a. The necessity of the credit guarantees organization. It's hard to get finances for the SME, because of lower credit and short of guarantee. So Credit guarantee organization was born since it's a bridge to connect bank and enterprises. b. The developing course of our credit guarantee organization: we started in 1992 with the started explores, the standard experiment site stage and System perfect stage.B. The managing pattern of the enterprises credit guarantees organization. Analysis: a. The main pattern of the enterprises credit guarantee organization. From our developing stages and regarding regulations, we mainly have the following pattern: the policy credit guarantees organization, the corporation one and the business one. b.The framework and business process of our credit guarantee organization. Emphasize the operation technological process and the four branches style of all kinds organizations.2. The managing risk of the credit guarantees organization. Two aspects were explained here.A. The operating principle of the credit guarantee organization . Analysis:a The operating principle of the credit guarantee organization .From the nature and the fund and the function and the serve a marriage partner and the relationship with cooperating bank, we can see the operating principle. B.The market-oriented operation is the base of the credit guarantee organazation's operating. Bright our country guarantees that organization must adopt market-oriented operation coming out into the open operating ability ensuring that the person is fine working.B. The managing risk of our credit guarantee organization. a. Small and middle-sized companies' credit is not good.b. The guarantee organization's credit ability is not good enough.c. The social credit system develops slowly. From the above managing risks, we can see it's a key to strengthen the legislative work of our credit guarantee organization for controlling the risk.3. The legislative question of the credit guarantees organization.A. The Legislation present situation for the credit guarantee organization. Five aspects can see: a.< Guarantee law > and < Judicial interpretation >.b.< Small and medium-sized enterprise promotion law >.c.Regarding Legal laws and regulations. Department rules and regulations and policy-type document.e. Local laws and regulations. From the above five aspects we can get:B. The legislative question of the credit guarantee organization. Except the < Guarantee law >, all of them are department regulations or policy-type document. So we can see: a. The Legislation level is lower, The legislative work lags. b. The...