Investigation Report On The Baoding Private Financial Institutions

After thirty years of reform and opening, China’s huge stock of private capital. With private capital-based non-governmental financial institution established as an important supplement to traditional financial institution system, it plays an important intermediary role in the participation and support of small and micro enterprise financing process. Therefore, in the current situation, the private financial institutions to Baoding research, rationalization proposals, has important theoretical significance and practical value for its sustainable development.Based on the city’s 32 small loan companies, seven rural banks, 12 security companies conduct surveys, and field visits to several typical institutions, a preliminary understanding of the status of Baoding private financial institutions. The survey reflects, small loan companies after several years of development, the industry distribution of loans, loan object of collateral, the loan period has presented and commercial banks and other traditional financial institutions significantly different characteristics, for ease of small and micro corporate finance problems, to make up for lack of commercial bank credit to make a certain contribution, but the prevalence of small loan companies: the lack of follow-up funding, subsidies are not in place, the low quality of personnel management, inadequate supervision and other issues; and rural banks assets Business "Light loans, heavy industry" phenomenon is very prominent, remove interbank rates high and strict credit controls, export financing and other external causes of stenosis, but its still many obstacles to the real economy in terms of structure, mechanism. The security company because of its overall strength is weak, the counter-guarantee conditions are higher, and there is a silver bear cooperation is limited, the credit mechanism is not perfect, professional talent shortage, lack of vertical supervision.Some of these problems is relatively common that can learn from the successful experience of other regions were resolved; and some very special, needs to analyze specific issues, to improve conditions for the actual city. Therefore, the actual problems that exist in the investigation, the paper puts forward corresponding countermeasures. For small loan companies, should broaden the sources of capital, continued to add follow-up funds, and improve information management system, increase the fiscal policy support, enhance staff training and improve risk management; and for rural banks, should be a clear market positioning, to establish a scientific and perfect the mechanism and build a security system for rural bank’s human resources allocation system; for the security company, will have to strengthen its capital base, the establishment of a variety of risk dispersion, and accelerate the process of informatization construction. The only way to promote sustainable development in Baoding private financial institutions, help small and micro enterprise financing, maintaining the stability of the financial system.