Analysis On Risk Resolution Of County Guarantee Cirle In Longkou District

Guarantee circle refers to a number of enterprises obtain bank loans through inter-enterprise mutual insurance,joint insurance and other forms,and form a risk community through the guarantee relationship.Any risk problem in the guarantee circle will produce domino effect on the enterprises in the whole guarantee circle.In credit practice,most private enterprises need to provide collateral guarantees or joint and several liability guarantees to obtain bank loans,while banks require more stringent collateral guarantees in the process of credit approval.Many enterprises are constrained by the nature of land and the shortage of land indicators of local government,so they can not obtain right certificates and lack sufficient rights certificates.Collateral.Therefore,guaranteeing among different enterprises has become the most extensive and convenient risk mitigation measures,gradually forming a guarantee circle and expanding layer by layer,while the number of enterprises involved shows a geometric growth.Once an enterprise in the guarantee circle has a risk event,the bank will immediately assess the risk of the whole enterprise in the guarantee circle,draw loans and break loans,which will lead to the financial rupture of the whole enterprise in the guarantee circle,and then lead to the systemic risk of the local economy.At present,with the continuous adjustment of the national economy,the risk of the guarantee circle is becoming more and more serious,and there is a trend of wildfire.This paper focuses on the process of risk resolution of the two local guarantee circles in Longkou City,evaluates the actions taken by the government,banks and enterprises in resolving the risks of the guarantee circle,and analyses the business characteristics and risk characteristics of enterprises in each guarantee circle through a large amount of statistical data,and puts forward some ideas and suggestions for resolving the risks of the security right in the future.Through the implementation of relevant measures,I hope to find a way to fundamentally resolve the risk of the guarantee circle to meet the interests of all parties.As the guarantee circle takes a long time to form and brings great harm,it has great interest disputes and conflicts for the government,banks and enterprises.As soon as possible,we should find out a way to resolve the risk of the guarantee circle that can satisfy the interests of all parties,strive toresolve the risk of the guarantee circle with the minimum cost,and promote the steady development of local economy.In order to achieve win-win situation.