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First, the supervision and management mechanism is missing. Security agencies access threshold, daily monitoring system, information disclosure system, exit mechanism and other industrial operations and regulatory regimes relevant provisions of the imperfections in the regulatory weakness and not in place. Government credit guarantees for lack of knowledge , the relevant administrative departments and credit guarantee agencies lack of communication for building credit system does not have enough attention and support cooperation. Mhttps://www.51lunwen.org/fm/ akes it difficult to master commercial bank guarantee agencies real situation , the loss of the security agencies , " the letter added zoom " function. Some local governments sided understanding of the role of credit guarantee institutions , lack of awareness on the risk exposures , administrative intervention in the operation and management of credit guarantee institutions , the blind pursuit of the credit scale .

二是社会信用环境不完善，不规范，信用担保体系和信用评级制度不健全。很多企业信用担保观念淡薄，违规操作，谎报数据，存在严重的道德风险；而且企业管理经营不善，资本运作存在很多问题，亏损严重，丧失履约信用的能力，信用担保很难拥有良心发展的基础，担保机构则需要承担之后的全部信贷风险。

Second, the social credit environment is imperfect, are not standardized, the credit guarantee system and the credit rating system is not perfect. Many enterprise credit guarantee weak sense , illegal operations , false data , there is a serious moral hazard ; mismanagement and corporate management , capital operation and there are many problems , losses, loss of the ability of performing credit , credit guarantees is difficult to have a basis for the development of conscience , after the guarantee institutions will need to bear the full credit risk. Credit rating system is imperfect , resulting in security companies and the information asymmetry between banks , which restricts the guarantee agencies worked with banks to establish good relations .

三是风险补偿和转移机制不健全。担保公司以资本金承担担保责任后,只能依靠业务经营收入来弥补亏损。目前政府仅仅依靠减免税来刺激担保公司为中小企业和个人融资提供担保,而担保产生的风险却没有完善的补偿和分摊措施。

Third, risk compensation and the transfer mechanism is not perfect . Guarantee companies to assume security responsibilities capital to rely on operating income to compensate for losses . The government alone guarantee companies tax breaks to stimulate financing for SMEs and individual guarantees , the risks arising from the guarantee , but there is no perfect compensation and allocation measures . In addition, through the re- guarantee institutions guarantee or difficult way to transfer insurance risk or solve compensatory , guarantee business scale has been seriously constrained .

First, strict implementation of risk reserve system . Guarantee the company itself should be strictly enforced reserving standards and by expanding the number of risk reserves , increase their ability to resist risks . Guarantee institutions for SMEs to establish compensation mechanisms and re-guarantee system . To establish a reasonable capital to supplement and expand mechanisms to increase funding and fiscal guidance through preferential policies to attract private capital to increase investment in the security industry . Guarantee institutions for SMEs compensation mechanisms and the establishment of re-guarantee system security company can effectively reduce the