Research On Local Government Resolving Mutual Insurance And Joint Insurance Risks Of Private Enterprises

Private enterprises occupy an important position in China's national economy and are a supporting force for China's economic development.The development of local economy,especially the county economy,is greatly dependent on the development of local private enterprises.As one of the important economically strong counties in Anhui Province,Wuwei County has a large number of private enterprises and a huge scale,forming a county-level economic circle dominated by the wire and cable industry.While the private enterprises in Wuwei County continue to develop,they are also facing huge financing difficulties due to restrictions on financing channels.In order to effectively obtain funds and promote the rapid development of enterprises,Wuwei County's wire and cable companies have adopted a large number of mutual guarantee and joint guarantee credit models,forming a complex guarantee circle.This model has made some contributions to corporate financing in the early stage,but Since 2014,Wuwei County's wire and cable industry mutual protection and joint insurance risks have gradually become prominent,and are showing an increasing trend,which has severely affected the stability of the county's economy.In order to resolve the risks of mutual protection and joint guarantee,and promote the sound development of the wire and cable industry,Laiwuwei County Government has actively adopted various measures,but the results obtained have not been satisfactory.Therefore,by studying the case of Wuwei County Government's resolution of the mutual insurance and joint insurance risks of the wire and cable industry,it proposes countermeasures to promote risk resolution from the perspective of Wuwei County Government,with a view to providing reference for local governments to resolve the risks of private enterprise mutual insurance and joint insurance.This article takes Wuwei County Government as the research object to resolve the risk of mutual protection and joint insurance of the wire and cable industry.Through theoretical analysis and actual case analysis,the main content of the six chapters of the paper is formed.The first chapter analyzes the background of related research and the current status of research at home and abroad,fully understands the research hotspots of relevant scholars and the key points that need to be explored at present;the second chapter analyzes relatedconcepts and theories in order to clarify the relevant theoretical principles and their application in this article.The specific application in this paper lays a solid theoretical foundation for the research of this thesis.Chapter 3 analyzes the risk and prevention of the mutual protection and joint protection of the wire and cable industry in Wuwei County,and sorts out the course of the risk and mutual protection of the wire and cable industry in Wuwei County.Based on its characteristics,it analyzes the measures taken by Wuwei County Government to mitigate the risks of mutual insurance and joint guarantee,and finds the desirable and insufficient Wuwei County Government in mitigating the risks of mutual insurance and joint guarantee.Chapter Four analyzes the problems existing in the process of Wuwei County Government's resolution of the mutual protection and joint insurance risks of the wire and cable industry,and digs deep into the underlying reasons,in order to indicate the resolution of the mutual protection and joint guarantee risks of the wire and cable industry.Direction;Chapter 5 analyzes the local government represented by Yixing City in Jiangsu Province and Taizhou City in Zhejiang Province The practice of mutual insurance and joint insurance risks of private enterprises,based on summing up their advanced experience,provides reference for Wuwei County Government to effectively resolve the mutual insurance and joint insurance risks in the wire and cable industry.Chapter 6 Based on the above research,combining the actual situation of Wuwei County and Wuwei County Government in the process of resolving the risk of mutual insurance and joint guarantee of the wire and cable industry and the relevant advanced experience in Jiangsu and Zhejiang,from the improvement of the support policy for the development of the wire and cable industry And measures,strengthen the construction of the credit system of small and medium-sized enterprises,improve laws and systems that restrict corporate behavior,and build a risk resolution mechanism of joint participation and coordination,and put forward countermeasures and suggestions to promote Wuwei County Government to resolve the risk of mutual protection and joint guarantee of the wire and cable industry.With a view to providing a useful reference for local governments to effectively resolve the risks of mutual guarantees and joint guarantees of private enterprises and crack the "domino" dilemma.