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Improvement of Legislation of SME credit guarantee

And the risk of SME loans to total loans should be limited to 70% in a 80% t9]. 5) compensatory rights and right of recovery. Overdue loans can not get in to Ⅱ pay the debts, guarantee agencies assume responsibility for compensation, and legally obtained and the exercise of right of recovery. 6) The counter-guarantee measures. 2:11, must be legitimate collateral assets, of course, is not very high proportion of mortgage. 7) The risk reserve system. Operating income from guarantee agencies by a certain percentage of Risk Reserves for offset operating losses of guarantee, guarantee to make up for bad debt expenses and compensatory damages. (5) credit guarantee credit guarantee normal work flow according to the following procedures: 1) loan applications. 2) security applications. 3) The loan guarantee agency to receive an application for enterprise security, enterprise security on the declaration before the standing of the investigation and assessment. 4) security review and approval. 5) took the settlement. 6) subrogation, the credit guarantee agencies on behalf of compensation to the bank, that automatically replace the status of the bank creditors to obtain the right of subrogation. (6) First,[link widoczny dla zalogowanych], according to industry self-regulation and simplification,[link widoczny dla zalogowanych], uniformity and efficiency principles, the State-owned Assets Supervision and Administration Commission, finance, banking and other departments security oversight committee on security sector oversight. The second is to establish a credit guarantee industry associations, the formation of industry codes of conduct, strengthen self-discipline. (7) The liability of a law if there is no legal duty, and that it can only be called a general policy document. And if the law that the rights and obligations are not subject strong legal protection, the law is difficult to implement well iv. SME credit guarantee management approach is the credit guarantee institutions, SMEs, the main rights and obligations of commercial banks and other norms,[link widoczny dla zalogowanych], in order to protect the SME credit guarantee good management practices can be implemented, we must provide for liability. Credit guarantee business activities, the following acts shall be held criminally liable: 1) The loan credit guarantee institutions guarantee bank fraud, causing the loss of security institutions; 2) Credit guarantee institutions insured employees and enterprises, loans to banks colluding with each other taking of loans or guarantees, and to cause the loss of security agencies; 3) credit guarantee in-house personnel accept bribes, abuse of power, in order to maintain self-serving,[link widoczny dla zalogowanych], and caused financial losses of the guarantee agencies; 4) credit guarantee in-house staff of corruption, embezzlement, misappropriation guarantee funds. The following acts shall assume liability for breach of: 1) the lending bank's overdue loans; 2) of the insured enterprises do not use by agreement the use of funds of funds, such as the circumstances are serious, then the Bank may notify the insured loans early repayment of corporate loans; 3) Regular security institutions do not assume equal subrogation. 【
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