The Dilemma Of Development And Countermeasure Of Yangzhou Financing Guarantee Industry

With the development of economy,many new products emerge at a rapid pace in the economic sector,but the problem of small micro-enterprise financing has not been resolved,and therefore contributed to the emergence of the financing guarantee industry,and to develop financing the security industry is small and medium micro enterprise financing problem may well be a good way to solve.Typically,small and medium micro enterprises due to its ability to limit,resulting in a loan,financing is difficult,greatly hindered the development of these enterprises.From a market point of view,we found that small and medium micro enterprises in the market share is relatively large.Therefore,it is the creation of secured financing system to solve this problem.Based on data from industry research Yangzhou secured financing obtained to study the plight of the financing guarantee industry in Yangzhou City and Countermeasures,Yangzhou City,the relevant regulatory authorities provide the correct normative financing guarantee industry,and promote their healthy development ideas.Taking Yangzhou financing guarantee industry,for example,the first under the relevant data,the status of Yangzhou financing guarantee industry overview.Then he pointed out the current Yangzhou financing guarantee industry are common issues and differences,including the industry overall low efficiency,lack of functioning guarantee,guarantee agencies present polarization compensation rate,low professional quality of employees,lack of independence of the security agencies,etc..Then analyzed the risk financing guarantee institutions may face,including legal risk,policy risk,payment risk,risk of loss and compensation moral hazard.In this paper,on this basis,from the perspective of legal,regulatory system,profit model,the security cooperation mechanisms and risk control mechanism,in-depth analysis of the causes of problems and risks.Finally,this paper from four aspects perfect system construction industry,governance structure and philosophy of the company s innovative laws and regulations put forward countermeasures and suggestions to promote the healthy development of the industry.In this paper,on the one hand,the innovation in research perspectives.By combing the domestic and foreign research results found that in the study of financing guarantee industry,there are many place to explore its research Angle.Almost all the existing literature from the perspective of national or provincial study of financing guarantee industry.This study,from the perspective of the theory origin,taking Yangzhou as an example,the plight of financing guarantee industry in this city and solutions are studied,with municipal guarantee industry as the research object,by combining the current external environment,for the next step of research provide more sample cases,problem oriented analysis reasons and puts forward some countermeasures to improve,to find the perfect path.From this study to determine the plight of financing guarantee industry of Yangzhou and solutions research,its research process and the system design is not without difficulties and obstacles.Mainly for the difficulties in the study of Yangzhou financing guarantee industry,did not adopt the method of empirical analysis,which makes the results do not have very strong powers of persuasion.At the same time,proposed qualitative aspects of the research conclusion remains to be tested in practice.And the difficulty is that the research countermeasures of financing guarantee industry is based on the analysis of the problem to find the reasons,but given the research conditions and the limitation of research problems,led to the implementation of the related countermeasure effect remains to be verified.