金融监管研究
金融鑑管研究
금융감관연구
FINANCIAL REGULATION
2013年
8期
66~84
,共null页
信用担保 融资性担保 银担合作 分类监管 民间融资
信用擔保 融資性擔保 銀擔閤作 分類鑑管 民間融資
신용담보 융자성담보 은담합작 분류감관 민간융자
Credit Guarantee ; Financing Guarantee; Cooperation between Banks and Guarantee Companies;Classified Supervision; Private Financing
信用担保活动对于我国金融秩序和金融安全的影响日渐显现。在快速发展的同时,结构性悖论与行业流弊不容忽视。中科智、中担、华鼎、金诚、金邦、融典担保等案例,反映出不少担保公司及控制人偏离主业、违法违规。相关司法实践和新近法规对于防止挪用客户资金、遏制非法集资和非担保活动具有一定效果。需要进一步考虑的是,将责任与能力匹配起来,完善细化规则,促进各方归位尽责与行业可持续发展;同时,优化监管流程及架构,发挥市场和自律的作用。
信用擔保活動對于我國金融秩序和金融安全的影響日漸顯現。在快速髮展的同時,結構性悖論與行業流弊不容忽視。中科智、中擔、華鼎、金誠、金邦、融典擔保等案例,反映齣不少擔保公司及控製人偏離主業、違法違規。相關司法實踐和新近法規對于防止挪用客戶資金、遏製非法集資和非擔保活動具有一定效果。需要進一步攷慮的是,將責任與能力匹配起來,完善細化規則,促進各方歸位儘責與行業可持續髮展;同時,優化鑑管流程及架構,髮揮市場和自律的作用。
신용담보활동대우아국금융질서화금융안전적영향일점현현。재쾌속발전적동시,결구성패론여행업류폐불용홀시。중과지、중담、화정、금성、금방、융전담보등안례,반영출불소담보공사급공제인편리주업、위법위규。상관사법실천화신근법규대우방지나용객호자금、알제비법집자화비담보활동구유일정효과。수요진일보고필적시,장책임여능력필배기래,완선세화규칙,촉진각방귀위진책여행업가지속발전;동시,우화감관류정급가구,발휘시장화자률적작용。
The credit guarantee business has increased influence over China' s financial soundness. In spite of its fast growth, structural paradox and other disadvantages of the industry still exits. Through an in - depth review of several typical cases, credit guarantee companies were found widely engaged in other businesses in violation of current regulations. The recent actions taken by the courts and regulators are instrumental in preventing the compa- nies from embezzling the client deposits, illegally raising fund, or being engaged in unauthorized financial activi- ties. Meanwhile, other measures might as well be considered such as to refine the supervisory rules, to optimize the regulatory structure, and to enhance market discipline and self- regulation.