龙岩担保业发展现状、问题及对策探析.docVIP

龙岩担保业发展现状、问题及对策探析 ［ ］担保业作为高风险行业，它的收入主要依靠收取保费。如果按照 月息2%。来算，一笔一年1000万的担保业务，一年的收入也只有24万， 可以说是高风险，低收益，风险与收益不对称，一旦发生代偿，将严重影 响业务幵展。但是如果有政府的资金补助和政策扶持，担保机构就能更加 放心大胆地做业务，就能在遇到闲难吋挺过去不至于倒闭。所以，政府的 帮助也是担保发挥作用的重要助力。融资担保在我国已存在十多年，但是 至今在法律和政策层面上，其木质特性仍未能得到非常准确、完整的界定。 本文将选取福建省龙岩市作为分析对象，对其发展现状进行分析，并结合 宏观、微观等综合因素，对龙岩市担保业做出整体分析。 ［关键词］龙岩担保业整体分析 Present situation of development of Longyan guarantee industry [abstract] Assurance as a high-risk industry, its premium income relies mainly on the charge. If the monthly interest 2 %o to calculate, 10 million a year guarantee business, income also only 240000 a year，can be said to be high risk, low yield， the benefits and risks asymmetry, compensatory, once will seriously affect the business. But if there is the government’s funding and policy support, guarantee agencies can be more rest assured bold to do business, can it not fail when meeting difficulties. So, the government’s help is also important addition to the guarantee work. Financing guarantee in our country has been in existence for more than ten years, but up to now in the law and policy level，the nature of its failed to get the very definition of accurate and complete. This article will select the fujian longyan as analysis object, analyze its development present situation, and combined with the comprehensive factors such as macro and micro, to make a overall analysis of longyan city assurance [key words] longyan, assurance，overall analysis TOC \o 1-5 \h \z 弓I胃 1 HYPERLINK \l bookmark4 \o Current Document \h 一、 有关担保业成长的相关理论概述 2 HYPERLINK \l bookmark5 \o Current Document \h 二、 龙岩担保业现状分析 3 HYPERLINK \l bookmark6 \o Current Document \h （-）担保企业经营概况 3 HYPERLINK \l bookmark7 \o Current Document \h （二） 融资担保机构与银行合作情况 4 HYPERLINK \l bookmark8 \o Current Document \h （三） 政府部门对担保机构扶持情况 4 HYPERLINK \l bookmark9 \o Current Document \h （四） 融资担保未来发展趋势 5 HYPERLINK \l bookmark10 \o Current Document \h 三、 龙岩担保业的资源优势与问题所在 5 HYPERLINK \l bookmark11 \o Current Document \h （-）龙岩地区经济环境与资源优势 5 HYP