投融资担保行业监管研究

Study on the Supervision of the Investment and Financing Guarantee Industry

融资难一直制约着中小企业的发展,投融资担保行业作为破题手段之一便应运而生。担保行业为众多中小企业带来资金支持,同时也存在集资诈骗、非法吸储、高利贷等问题。近年来,多个地区担保公司出现崩盘、跑路现象,带来较高的金融风险,甚至危及社会稳定。着重分析不同担保模式中的风险点,并提出优化投融资担保行业监管制度的建议。

Financing difficulty has been restricting the development of small and medium enterprises, investment and f/nancing guarantee industry, as one of the presentation means amplification arises at the historic moment.Guarantee industry has brought the financial support for a number of small and medium enterprises, at the same time there is also a problem such as fund-raising fraud, illegal deposit-taking, usury.In recent years, many areas guarantee company collapse, run phenomenon, bring higher financial risk, crisis and even social stability. This paper analyzes the risk points of different guarantee mode, puts forward some Suggestions of optimization of investment and financing guarantee industry supervision system.