我国政府性融资担保机构损失核销问题研究——基于湖北省政府性融资担保机构的调研

Research on Loss Write-off of Government Financing Guarantee Institutions in China——Based on the Research and Summary of Hubei Provincial Government Financing Guarantee Institutions

为有效解决政府性融资担保机构依法出清担保代偿损失,提高融资担保行业的资产质量,本文以湖北省政府性融资担保机构为研究对象,通过访谈和实地调研发现,融资担保行业存在相关制度不完善、担保机构存在风险控制体系不健全、核销方式相对单一、绩效考核不到位等问题。为此,需要进一步完善政策、加强政府性融资担保机构内部风险管理体系、加快数字化发展、发挥相关中介机构专业力量、培养复合型人才等,通过上述措施规范担保机构代偿损失的核销管理,更好地发挥政府性融资担保机构对于小微企业和“三农”等实体经济的促进作用。

In order to effectively solve the problem of government financing guarantee institutions clearing guarantee losses in accordance with the law and improve the asset quality of the financing guarantee industry,this thesis takes the government financing guarantee institutions in Hubei Province as the research object.Through interviews and investigations,it is found that there are generally problems such as incomplete guarantee industry system,imperfect risk control system,a single verification method and inadequate performance evaluation in the guarantee institution.Therefore,it is necessary to further improve policies,strengthen the internal risk management system and digital development of government financing guarantee institutions,give play to the professional strength of intermediary institutions,cultivate compound talents,etc.Through the above measures to standardize the write-off management of compensation losses of guarantee institutions,and better play the role of government financing guarantee institutions in promoting the real economy such as small low-profit enterprises and“agriculture,rural areas and farmers”enterprises.