担保行业异化风险应对策略及发展路径

担保行业在破解中小企业融资难中发挥着重要作用,然而不断披露的因违规经营导致的资金链断裂事件凸显灰色金融与正规金融体系相互交织,异化的担保行业系统性风险积聚,严重扰乱经济金融秩序,影响社会稳定。通过全面总结担保行业异化特征,深入分析异化机理,借鉴国外担保行业发展先进经验,探寻适合我国国情的可持续发展模式,建立健全担保行业配套体系机制,保持良好生态环境,完善担保机构法人治理结构,促进担保行业自身发展,是实现中小企业、商业银行和担保机构三方共赢的重要举措。从存量风险角度来说,要明确管理机构,成立危机处置小组;全面梳理存量风险,严厉打击恶意骗贷行为;形成"合力",不断深入推进担保行业规范整合工作,做大做强。从未来发展角度来说,要探寻可持续的政府主导担保体系;完善担保行业配套体系、机制,保持良好生态环境;完善法人治理结构,实现现代化经营管理。

The Mechanism of Guarantee Industry Alienation and Countermeasures

Guarantee industry plays an important role in breaking the difficulty of small and medium-sized enterprise,but the grey finance highlighted by the capital chain rupture event because of illegal business performance and formal financial system are intertwined.The alienation of guarantee industry accumulates system risk,seriously disturbs the economic,financial order,and social stability.By summarizing the characteristics of guarantee industry's alienation,analyzing the mechanism of alienation,and learning from developed countries,then seeking for the suitable and sustainable mode,establishing the security industry's supporting system mechanism,and maintaining a good ecological environment,perfecting corporate governance structure,promoting guarantee agencies,the measures to gain the tripartite win-win between small and medium-sized enterprises,commercial banks and guarantee agencies can be realized.