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近年来,我国融资性担保行业在服务中小企业融资和促进地方经济发展方面发挥了积极作用,已经成为金融服务体系的重要组成部分。但是,融资担保业目前存在的一些系列问题,诸如相关法律和信用体系不健全、担保机构运作不规范、非法经营等,阻碍了其政策性放大功能的发挥和融资性增信效应的实现,需要通过厘清法律关系、完善相关立法和监管措施予以规范。本文在对企业融资担保的法律基础和规范现状进行研究的基础上,提出了应该对融资担保业从宏观、微观和中观三个视角进行法律规制的思考与建议。
In recent years, the financing guarantee industry in our country has played a positive role in financing the SMEs and promoting the development of the local economy, and has become an important part of the financial service system. However, there are some problems existing in the financing guarantee industry, such as the imperfect laws and credit system, the non-standard operation of guarantee agencies and the illegal operation, which impede the exertion of its policy amplification function and the realization of financing enhancement effect. By clarifying legal relations, improving the relevant legislation and regulatory measures to be regulated. Based on the research on legal basis and standardization of corporate financing guarantee, this article puts forward some suggestions and suggestions on legal regulation of financing guarantee industry from macro, micro and meso perspectives.