The authors analyze the present development situation of Xinjiang’s credit and guarantee industry in recent years and the results shows that the number of institutions has increased steadily, business scale grew rapidly, guarantee services has continuously enriched, management mode has continuously innovated and level of risking control improved steadily. The benefits of Xinjiang’s credit and guarantee industry development are remarkable. the problem of financing for SMEs has been alleviated effectively to support the development of Xinjiang’s economic strongly.Then the authors point out that the current guarantee institutions are facing many problems such as the complex business environment ,imperfect credit system, lack of compensation mechanism of fund, low profitable ability, difficulty in cooperating with financial institutions, insufficient supervision,and put forward countermeasures of consummating the credit and information system of SMEs, improving the internal-risk reserve system and external-risk compensation system ,establishing a"sharing risk, sharing benefit"cooperation relations between banks and guarantee institutions and strengthening the industrial supervision.%新疆融资担保行业发展势头良好，融资担保机构数量稳步增加，业务规模迅猛增长，担保品种不断丰富，管理模式创新，风控水平节节提升，社会效益显著，有效缓解了中小企业融资难问题，强有力地支持了新疆经济社会发展。分析了目前融资担保机构面临经营环境不容乐观、信用体系不健全、缺乏资金补偿机制、盈利能力低、与金融机构合作困难、监管不足等问题，并提出了完善中小企业信用信息系统、健全内部风险准备金制度和外部风险补偿制度、建立“风险共担、利益共享”的银担合作关系、加强行业监管等对策建议。
展开▼
