What problems did the accident of Henan guarantee company reflect?

The government has set up a joint disposal team of the Ministry of Industry and Information Technology and the Public Security Law Department to deal with the recent frequent closures of guarantee companies. The story of Henan spread widely. My two colleagues in Henan were involved, and the principal was rarely recovered. According to estimates, the amount of financing through guarantee companies in Henan Province alone reached 65.438+000 billion yuan, which affected 65.438+000 million families according to the calculation of 65.438+000 million yuan per household. It seems inevitable that a guarantee company in Henan has an accident. Before going to Henan for a business trip, elevators, bus stops, bus bodies, streets and alleys were all advertisements of guarantee companies, either high-yield wealth management or fast lending. The local people are not surprised, neither the public nor government officials, nor even people in the financial system. You ask, "Is this illegal fund-raising?" ? Professionals say it's up to them, but nobody really cares. The recent incidents of guarantee companies reflect the following problems: First, the guarantee industry is chaotic. The development of guarantee industry in China has a long history, and it is still in a state of chaos. There are many guarantee companies, including commercial departments and Ministry of Industry and Information Technology, and there is no unified management department at the central level. Until last year, the China Banking Regulatory Commission led several ministries and commissions to issue the Interim Measures for the Administration of Financing Guarantee Companies, but there were obvious differences in specific implementation among provinces and cities. There are several so-called guarantee companies at present. One is a financing guarantee company, which needs to be managed according to the above management measures. The second category is non-financing guarantee companies, such as performance guarantee and commercial guarantee. The third type is a company with the word guarantee in its registered name, which actually does not belong to the category of guarantee companies. But in the name of guarantee, it absorbs deposits and lends money. Due to the lack of clear industry positioning and leading business, the development of guarantee industry is very different. In the cooperation between banks and enterprises, the guarantee company is in an absolute weak position, and the industry average guarantee magnification is only twice. If we really rely on the financing guarantee business, the guarantee company will never be profitable. Second, there are insufficient investment and financing channels at the grassroots level. Under the banner of collective financial management, guarantee companies can lend high-interest loans while collecting savings. A big reason is that the micro-circulation of China's finance is not smooth. On the one hand, there is too little credit for small and micro economies. On the other hand, in the case of high inflation, the central bank controls the upper limit of deposit interest rate, which leads people to find other investment methods to maintain and increase the value of assets. Whether it is too strict supervision or other reasons, supply and demand can not be effectively docked in the formal financial environment, and extracorporeal circulation can only be realized by other means, which is actually a dual market. Third, local financial supervision is weak. After nearly 10 years of reform, China has formed a financial supervision pattern of the central government, one line and three meetings, but local financial supervision is seriously lagging behind. In fact, the local financial powers (such as the management of guarantee companies, small loan management companies, investment and financing platforms, and rural credit cooperatives) have greatly increased, but the local financial supervision system has not yet been built, the establishment and management of financial offices and financial bureaus are backward, professionals are lacking, and management methods are backward. Many times, we will investigate and deal with accidents and let them go if they don't happen. Fourth, illegal fund-raising lacks daily management. Judging from the current cases and regulations, the definition and management of illegal fund-raising in national judicial and administrative management are relatively weak. Often the amount of funds is large, the boss runs away or mass incidents occur, and it is illegal for the public security and judicial intervention. Before the incident, there was a lack of reminder and management. People who engage in illegal fund-raising are mostly business celebrities and even political friends, and they have certain influence. It is not difficult to find that fund-raising activities are often transparent or even high-profile in the local area. But the fact is that many local officials and financial institutions not only failed to take preventive measures, but also played a role in fueling the situation. The problems of guarantee companies have existed for many years and have not been well solved. It is only because of the slowdown in economic growth and the tightening of monetary policy that it is highlighted. The core of the problem of guarantee companies is the imbalance of grassroots financial structure in China, just like shadow banks and listed companies lending.