Sme Credit Guarantee Institutions In Xx City - Counter-guarantee Explore Means To Guard Against Security Risks

XX SMEs in the city in recent years developed very rapidly, but because some countries continue to take the monetary tightening policy, coupled with less corporate assets, financial irregularities, poor credit and other reasons, the financing of enterprises is very difficult to become a prominent problem, the local government To address this issue, promoting the development of SMEs through the development of credit guarantee institutions to upgrade their credit rating, on the basis of access to bank loansHowever, due to the development of credit guarantee agencies are too quick, risk management tools have not kept pace with last year, the city's security agencies appear rapid increase in the amounts of compensation through the analysis of one of the major reasons is that anti-security measures set up on existing problems, a number of security Counter-guarantee the implementation of projects in place, not the law. And even some security agencies do not take the anti-security settings, in the presence of a form of it. Insurance companies to obtain guarantees, because of poor management and lack of effective supervision of security agencies, will fund the loan move forward with it, and even to invest in some high-risk project, resulting in the failure of the project, thus affecting the maturity of the debt repayment, Appear to be unable to repay their loans on time, took the security agencies to repay. The continuous occurrence of this phenomenon affects the reputation of the enterprise, so that security agencies but also in the eyes of the bank's ability to prevent and control the risk of being questioned. When the credit guarantee institutions, took after the repayment of the insured business to the recovery, not set in advance due to the effective control of the insured business of the anti-security measures, this time into a passive situation, some simply can not repay their insured companies, took the return of funds But to their own loss. Therefore, in order to provide security before the well-established set of security measures to counter and prevent the risk of their own is of great significance.This article is XX City SME credit guarantee institutions and the status quo for analysis and the introduction of what is on the basis of counter-guarantee, why should propose a set of counter-guarantees the legal basis and theoretical basis. I then used three actual operation of the three security projects to illustrate how to set the actual counter-guarantee, based on what is, how set. Finally, according to the actual situation in the city XX innovation to counter-guarantee measures to solve new problems.This paper of the XX City SME credit guarantee institutions in the future security will be operational in the course of a reference.