Analysis of Henan for example to guarantee the financing of industry status and development毕业论文.docx
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Analysis of Henan for example to guarantee the financing of industry status and development毕业论文.docx
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AnalysisofHenanforexampletoguaranteethefinancingofindustrystatusanddevelopment毕业论文
AnalysisofHenanforexampletoguaranteethefinancingofindustrystatusanddevelopment
Abstract:
ThefinancingofsecurityindustryhasbeeninthegovernmenttosupportSMEdevelopmentandtheprotectionofthesmoothrealizationoftheeconomicpolicyhasplayedanimportantrole.Inthispaper,Henan,forexample,discussthecurrentstatusofindustryfinancingguarantee,securityandcivilprotectiontwokindsofsilverformsofbusinessproblems,andfinancingguaranteeindustrydevelopment.
Keywords:
financing,guarantees,businessforms
First,thestatusofindustryfinancingguaranteeInrecentyears,alargenumberofprivatefundstocontinuetoenterthesecurityindustry,securityindustry,themarketclearlyaccelerated,inpromotingthemarketeconomyhasplayedanimportantroleasamarketeconomy,animportantforceinMarch.2010,theCBRC,theMinistryofIndustry,etc.7ministriesjointlyissued<<financingguaranteeInterimMeasures>>toacertainextentafinancialguaranteetoensurethenormaloperationofthecompany,reducingthethresholdoffinancialguaranteecompany,andtobroadenthefinancingchannelsforSMEs,butourPrivatefinancingguaranteeindustryinthedevelopmentprocesstherearesomeproblemscannotbeignored,theseproblemsareasfollows:
1capitalstrengthispoor,withlowanti-riskabilityiswellknown,isafinancialguaranteeindustryhighlydependentoncapitalindustry,theamountofcapitalwilldeterminethesizeofitsbusinessandriskresiliencestrength.Forexample,Henan,asofJune2011,HenanProvince,DepartmentofIndustryandInformationTechnologyannouncedthefirstpreliminaryqualifiedlistoffinancingguaranteeinstitutions,HenanProvince,thefirstbatchofatotalof246qualifiedguaranteeagenciesoperatingthroughthepreliminaryqualifying,registeredcapitalis30millionyuan,whichnumberlessthan246companiesinHenanguaranteeafractionofthenumberofcompanies,butmanysmallsecuritycompanyhasnotbeenauditedbythereasonismainlythecapital.
(2)managementisnotstandardized.Currentlypartofthesecuritycompanyfromthemainbusinessofillegalbusiness,partofthenameisthenameofsecurity,infact,solicitdepositorshighinterestratesorusuryhasnothingtodowiththesecurityinhigh-riskbusiness,excessivecapitalflows,extensivemanagementoftheseillegalbusiness,notonlydisruptthenormalfinancialorder,andtheadversesocialimpactsallocated850millionyuaninHenanProvince.2008fundstosupportcreditguaranteesystem,afterthreeyears,thenumberoflocalsecuritycompanyinalargenumberofprivatecapitaltopromotelendingnexttothousands,buttherehavebeenfalseinjection,highinterestratesXiChu,illegallending,over-collateralizationandotherissues.
3poorawarenessofriskpresent,manysmallandmediumsizesecuritycompanydidnotestablishariskassessmentsystemforenterpriseriskassessmentprimarilyrelyonsubjectivejudgments,theactualoperationisnotrequiredtoextracttherequiredriskreserve.Re-guaranteebusinesssecuritymechanismisnotperfecttoavoidrisks,thelackoffollow-upreplenishment.practice,donotfollowtheprovisionsofthefinancingguaranteefortheindividualbeingtheguarantorofsecurityresponsibilitytoprovidethebalanceofthefinancingmaynotexceed10%ofthenetassetsrequirement,increasetherisk.
4Bankswithrisk-sharingmechanismsguaranteethecompany’sinterestsisnotperfectnow,thesecuritycompanyincooperationwithbanksinaweakpositioninsecurityrisk-sharing,thecooperativebanksareoftenunwillingtobearrightsonlyrequiretheobligation,whichrequiressecurityinstitutionstoassume100%oftherisk,andrequiresguaranteesthatusuallyadheretotheirownbenefitguaranteesthatindoingso,thelongterm,isnotconducivetotheirlong-termdevelopmentofcooperation.
5securitypersonnelmorescarceduetofinancingguaranteeprofessional,broadinscope,itguaranteesthesecurityindustryneedstohaveexpertiseandknowledgeofthecomplexcreditmanagementtalenttoachievethedesignanddevelopmentofsecurityservices,securityriskcontrol,butnowpartofthequalityofemployeesisnothigh.thevastmajorityonlyhavefinancialexperience,veryfewcompoundtalents.Thisqualityisclearlyunabletomeetindustrypractitionersdevelopmentneeds,inevitablybringstothecompany’sguaranteebusinessman-maderisks.
Second,thefinancingcompany’smainbusinessintheformofguaranteeSMEsinChina’smarketeconomydevelopmentplaysanindispensablerole,andastheirowninareassuchasfinancialandcreditshortage,coupledwithchangesinmacroeconomicpolicy,atanytime,capitalmarkets,highthreshold,lagsbehindthedevelopmentofindirectfinancingandcreditpolicyforSMEsexcludeotherreasons,difficultyinfinancingtheirdevelopmenttobecomeabottleneckrestrictingGenerallyspeaking,financialguaranteecompaniestoservemainlysmallandmediumenterprises,themainformsofbusinesscanbedividedinto:
securityservices,entrustedloans,venturecapital,intermediaryservices,whichguaranteesbankloanguaranteebusinessisdividedintobusinessandprivateloanguaranteebusiness,thecurrentsecurityguaranteebusinessinoperationtherearesomecommonproblems,suchasregisteredcapitalofasmallnumberofguaranteeagenciesarenotreal,capitaldiversion,flightproblemsoccur,theabilityofcreditcannotraisecapital.irregularitiesguaranteebusiness,thereis‘humansecurity’phenomena.Thisarticlefromthebankandinsurancebusinessandthepeopleofthesetwoformsofinsurancetospecificallydiscuss:
1financingguaranteebankloansguaranteebusinessproblemsinthebankandinsurancebusiness,bankslendingtoprivatefirmstoprovidecreditguaranteecompanyforloansguaranteedbetweenthetwoshouldbemutuallysupportive,buttherealityisthatcommercialbankshavetheirownsecuritycompaniesevaluationsystem,therelativelylowratingofthesecurityagencieswillbesubjecttoanumberofthresholdlimit.commercialbank’screditpolicybarriersalsolimitthedevelopmentoftheprivatesecurityindustry,resultinginthelimitedwarrantyontheresourcesbeingwasted.commercialbanksinpractice,oftenrequiredtobearalltheriskguaranteeagencies,theriskentirelyontoasecuritycompany.co-bankstoomuchtooharshconditionsoftheprivatesecuritycompaniesandbanks.Juneofthisyear’sHenanProvinceDepartmentofIndustrypublishedunderlicensefromguaranteepermitidentificationofthethirdcondition:
Sincelastyear,withbankfinancingguaranteetocarryoutthebusinessof1billionyuanor100billionormorebankcredit.Thisprovisionmakesthelicensenumberofsmallcompanieshavebeenshutout.7guaranteemonths,HenanProvinceitannounced<<HenanfinancingguaranteeInterimMeasures>>requiretheestablishmentintheprovinceoffinancingguaranteecompany’sregisteredcapitalandfinancingguaranteecompanyoutsidetheprovincesetupbranchesinHenanworkingcapital,shouldManagedtheimplementationoflocalbanks.managedfundsistentativelyscheduledfortheregisteredcapitalorworkingcapitalof40%ofthebranches.Thisrequirementcausedtheindustry’scontroversial,butthefuturefinancingguaranteeinstitutionstostrengthentieswithbanks,strengthenthebankandinsurancebusiness,forBanksupport,hasaveryclearbusinessdirection.
(2)privateindustryfinancingguaranteebusinessloanguaranteeissue.China’sinsurancebusinessisanimportantguaranteebusinessmodel,financingguaranteeindustryisrecognizedashigh-risk,low-incomesector,theuseofprivatecapital,butalsocaneffectivelyincreasethesecuritycompanyguaranteebusinessandguaranteeincome.Currently,manysecuritycompaniesmuchwork,turnedtothosehigher-yieldingnon-financialguaranteebusiness,themosttypicalisillegalorunlawfulLanchuloansandhighinterestloans.However,suchshort-termloanfinancinginterestisveryhigh,thereisnostandardloancontractsandguaranteecontracts,ifoverdue,itwilluseintimidationintimidation,andeventheuseoftriadofficerstodemandrepayment.ZhengzhouIntermediatePeople’sCourtinthepastthreeyearsChinesesecuritycompanyacceptedthefirsttrialinvolved15cases,involvingatotalofmorethan190millionyuanoftotaltarget,accordingtothecourtsystemhasbeenpronouncedthecaseofview,thesecuritycompanywereinvolvedinthecaseoftheamountofincreaseintheriskofwidening.
Third,thefinancialguaranteecompany’sdirectionThecurrentcooperationmechanismshouldbeestablishedtoguaranteetheindustry,theestablishmentofUNPROFORsecurityplatform,continuetostrengthenthedepthofcooperationwithbanks,whileChinacanlearnfromforeignexperience,thebanksbearpartofthesecurityrisks,companiescannotrelyonrisk-sharingguarantee.Onlythedepthofbilateralcooperationmechanismtoformtogethertoresistrisks,inordertoguaranteebiggerandstrongerlendingmarket.
InHenan,thegovernmentiscarriedoutincooperationwiththebankguaranteeapprovedbusinesscanbecomeanimportantcondition,andspecifiestheamountandbankandinsurancebusinesslineofcredit.Obviouslythisisintendedtoencourageguaranteeagenciesandbankstocarryoutmulti-Bancassurance,whichistheGovernmentexpectstheprivatesecurityagenciestothinkandreturn-basedmeasures,whichalsoguaranteestheinitialdevelopmentandgovernmentagenciesconsistentwiththeoriginalintention.
References:
[1]leafCc,YangFum
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