我国投资担保理财发展的动力及主要问题

Motive Force and Problems of Collateral Loan Investment

我国居民在经济快速发展的过程中积累了大量财富,在全民理财的大环境下,担保理财以低风险、高收益的特点成为居民理财的新热点。然而,当前担保行业进入门槛低、监管宽松,这给担保理财带来诸多不确定性。对担保机构进行严格监管、保障投资者的利益是担保行业发展的关键。

Chinese citizens accumulated a large number of properties with the rapid growing economy.Collateral loan investment became popular,featured by low default risk and high returns.However,collateral loan investment agencies operate with low threshold for market access and minimum regulation.Severe supervision is necessary for a sound market development and to protect the investors.