2000年之前它姗姗起步,之后它一路高歌,机构崛起,公司林立,全中国仿佛在一夜之间冒出了数以千计的担保公司,担保市场在政策的支持下理所当然地火爆起来。近几年,由于担保发展太快,人才不足,再加上监管部门几易其主之下,以高息为诱饵、大量吸收公众存款、并放贷给用款企业的现象屡见不鲜,繁荣的表象下蛰伏着诸多问题。中国银监会融资担保部副主任朱永扬在接受媒体采访时也透露,目前担保行业鱼龙混杂。与银行业机构合作开展业务的担保机构约为6500家,不到总数的一半,融资担保注册总资本约为3500亿元,平均放大倍数约为2.6倍,平均代偿率约为0.3%,平均损失率约为0.05%,而其余的机构挂着担保的牌子却不做担保业务。 Before 2000 it started slowly, after which it sang all the way, the rise of institutions, the company everywhere, as if China overnight appeared in the thousands of security companies, guarantee the market with the support of the policy, naturally hot. In recent years, due to the rapid development of guarantees and the shortage of qualified personnel, coupled with the fact that under the supervision of a few supervisors, high interest rates are bait, large deposits of public funds are lent to lending enterprises, and the phenomenon of prosperity is not uncommon Dormant with many problems. Zhu Yongyang, deputy director of the China Banking Regulatory Commission’s financial guarantee department, also revealed in an interview with the media that the current guarantee industry is quite a mixed bag. The number of guarantee institutions that cooperate with banking institutions in conducting business is about 6,500, less than half of the total. The total registered capital of financial guarantee is about 350 billion yuan, with an average magnification of about 2.6 times and an average compensation rate of about 0.3% The loss rate is about 0.05%, while the rest of the institutions hanging warranty brand but not guarantee business.