Research On Risk Control Of Financing Guarantee Industry In Henan

As a bridge between banks and small and medium-sized enterprises,the financing guarantee institution plays the role of dealmaking,and the cooperation between the bank and the guarantee company to grant credit has become an important means to crack down on the "financing difficulty and expensive financing" of small and medium-sized enterprises.The financing guarantee industry in Henan province sprouted at the end of the 20 th century and experienced five relatively complete processes of exploration,development,rapid development,and the outbreak of problems to stable governance.Society from unfamiliar to familiar with this emerging industry,from laissez-faire to governance,summed up a lot of experience and also learned a lot of lessons,these 20 years are Henan's financing guarantee industry in-depth understanding and gradually control 20 years.This paper analyzes the past,present and future of Henan financing guarantee industry by focusing on the core risk problem of the financing guarantee industry.The experience gained will not be limited to this industry.It is believed that the development of all walks of life in Henan and the improvement of government administrative efficiency will have great reference value.Based on the analysis of the general situation and risks of the financing guarantee industry in Henan province,this paper points out the shortcomings of the current risk control of the guarantee industry in Henan province,mainly reflected in the lack of risk sharing mechanism,lack of financial support,lack of substantive policy promotion and extremely lack of credit system construction.After clarifying the problem,we draw on the typical experience of Japanese and Anhui financing guarantee risk control,and draw lessons from the experience that the sustainable development of the financing guarantee industry requires the government to balance the forces of all parties.Through policy support,capital injection,mandatory supervision and other measures to overcome the industry's own high risks,to ensure that the financing guarantee "quasi-public products" play a role.Finally,the author points out the ideas and countermeasures of the risk control of the guarantee industryin Henan province: defining the risk sharing,implementing the cooperation program between the bank,the government and the guarantee institution,promoting the re-guarantee development,supporting the innovation of the anti-guarantee model,and re-establishing a new set of industry risk sharing structures;We will guarantee sufficient capital replenishment and set up Henan Provincial Finance Guarantee Fund with the State Finance Guarantee Fund to further promote the role of compensation funds in the province;We will improve the effectiveness of supervision and management,issue a series of operational implementation rules,promote government classification and off-site supervision,and actively withdraw institutions.We will improve the accurate credit system of the whole society so that the guarantee will no longer only stay in the economic guarantee of "real gold and silver".