At one time, the executive meeting of the State Council made arrangements to speed up the reform and development of the financing guarantee industry, and advocated the establishment of a national financing guarantee fund. It is planned to develop a number of government financing guarantee institutions with standardized operation and good reputation, focusing on provincial and municipal levels and government investment as the main contribution, focusing on serving small and micro enterprises and "agriculture, rural areas and farmers".
The central government places the establishment of financing guarantee companies in such an important position. On the one hand, the original private financing guarantee companies have many defects such as scattered institutions and weak financial resources, which can no longer meet the needs of "double innovation"; On the other hand, due to the imperfect supervision mechanism and the absence of supervision means, the disorderly competition of the original private financing guarantee companies is prominent. In addition, due to the lack of a unified operation mode and risk internal control mechanism, many guarantee companies "fall into a wrong path" and participate in illegal fund-raising and usury activities, which increases the burden on the guaranteed objects and becomes authentic usury companies, laying hidden dangers for the development of the industry, and some areas have also closed down one after another.
However, the government has not given up the intention of private financing guarantee companies in promoting the reform of financing guarantee industry, and it is by no means a restriction or a blow to the further development of private financing guarantee companies. The purpose of its reform is not only to provide an effective financing docking platform for private small and medium-sized enterprises, but also to promote the standardized development of existing private financing guarantee companies and better provide a convenient platform for "double innovation" financing. In this regard, private financing guarantee companies cannot be at a loss, nor can they be pessimistic about the future. They should turn passivity into initiative, seize the opportunity of financing guarantee industry reform, enhance crisis awareness, strengthen the improvement of internal control mechanism, strive to improve business philosophy, purify business behavior, adhere to legal and compliance management, and consciously cut off illegal fund-raising and usury activities. At the same time, it is necessary to reposition strategic management and truly put the service foothold on small and medium-sized enterprises and "agriculture, countryside and farmers". Moreover, at present, "double innovation" is in full swing, and there is still a broad business display space. We can strengthen cooperation with government financing guarantee companies, improve our management ability by participating in government financing guarantee companies through equity participation, or merge industries to change the current situation of dispersion, weakness and insufficient service, build a "modern aircraft carrier" of private financing guarantee companies, and improve the overall operating strength. In addition, actively appeal to the government for preferential fiscal and taxation support policies, such as increasing the financing ratio of banking institutions, expanding the sources of funds and improving the ability to use funds; Tax authorities are required to implement tax relief policies according to the characteristics of private financing guarantee companies, such as the need to establish risk provision and loss prevention mechanisms, and low profitability, so as to enhance their ability to resist risks, focus on docking financing services for small and medium-sized enterprises, become the backbone of serving small and medium-sized enterprises, and create a benign interactive environment with China's economic growth.
The most important thing is that the government should create favorable conditions for private financing guarantee companies, that is, it should give a green light in some places, such as appropriately lowering the requirements for conditional access; At the same time, give appropriate preferential policies in fiscal, taxation and financial policies, such as tax reduction and exemption, financial credit support, and appropriate subsidies, so that private financing guarantee companies can continue to grow and develop, introduce the government to guide the business development of private financing guarantee companies to tilt towards small and medium-sized entities, and let private financing guarantee companies take root in entity operations and become a living force to promote the development of China's real economy!