我国担保行业的发展态势及其下一步

我国商业担保业务经历了1992年起的探索起步阶段、20世纪末的规范试点及推广阶段。进入21世纪后,担保业务特别是针对中小企业担保业务已经步入体系比较完善阶段。然而,由于我国的担保业是一个与中小企业融资状况紧密联系的新兴行业,造成担保公司发展不规范,社会责任缺失,逐利为本,加重中小企业的负担,加之自身运作管理不规范,扰乱社会主义金融市场秩序。分析研究我国商业担保行业存在的主要问题,有利于从法律规范、行业监督、信用建设等方面进行规范管理、健康引导。

Development Trend and Next Step on Our Guarantee Industry

From the initial stage of exploration in 1992 ,and the stage of the specific pilot and promotion in the end of the 20th century,our commercial guarantee industry aimmed at small and medium enterprises has went into the period of the relatively perfect systerm.However,just becausing that our guarantee industry is a emerging profession closely linked to the financing situation of the small and medium enterprises, which caused the lack of the social responsibility, treating profit as most important, increasing the burden of the small and medium enterprises, and the unconventional management of the operation ,all that disrupts the socialist financial markets.The analysis of the main problems of our guarantee industry will be beneficial to the standard management and sound guidance in norm of security law, industry organization and credit construction.