【线上云德】疫情期间律师说（九十四）┃民营融资性担保公司应注意的问题 以及应对策略

融资性担保公司是现阶段一种较为常见的新型经济模式，为各中小企业获取贷款或从民间融资发挥着增信的效果。近年来，由于国家为了解决中小企业融资难的问题，加大了对中小企业融资担保机构的扶持力度，通过金融、法律、税收等行政手段实行股利政策，客观上形成了对民营资本的吸引力，使越来越多的民营资本进入了融资担保这个行业。当出现大量代偿且超过担保企业承受能力时，则会出现各种风险问题，而且由于民营资本的逐利性和盲目性特征，大量的投资人缺乏对公司治理的掌控能力，也使得民营融资性担保公司在治理结构上问题不断，对行业的健康发展造成了较大程度的损害。所以需采取有效措施予以控制，确保融资性担保公司可持续健康发展。

Financing guarantee company is a common neweconomic model at the present stage, which plays an effect of creditenhancement for smes to obtain loans or obtain financing from the privatesector. In recent years, because of the country in order to solve the problemof financing difficulties of small and medium-sized enterprises, strengthen theguarantee agencies for small and medium-sized enterprises financing support,through administrative means, such as finance, law, tax has a dividend policy,objectively formed to attract private capital, make more and more privatecapital to enter the financing guarantee industry. When there is a large andcompensatory guarantees the enterprise bear ability, will appear all sorts ofrisks, and blindness due to private capital profit-driven and characteristics,a large number of investors lack of control of corporate governance, and alsomakes the private financing guarantee companies on the governance structureproblems, to the healthy development of the industry caused a greater degree ofdamage. Therefore, effective measures should be taken to control and ensure thesustainable and healthy development of financing guarantee companies.

2020年5月9日晚上八点，金融投资法律事务部宋路凯律师结合多年金融行业法律服务经验和国家政策法规的规定，对民营融资性担保公司应注意的问题以及应对策略提出了自己的建议。

宋路凯律师主要通过四个部分的讲解，第一，明确融资性担保概念及经营范围，确定适用对象；第二，通过分析大量的融资担保公司相关案例，让大家对融资担保业务有一个更直观的理解，通过案例发现问题所在；第三，总结当前融资性担保公司应当注意的问题，包括公司治理结构、一股独大、股东出资不实、抽逃资金、对风险的监控不到位、规章制度不健全等；第四，对各类风险应对如何应对，从公司管理到日常运营，最后到款项的催收等。

At 8:00 p.m. on May 9, 2020, lawyer Song Lukai from the Financial InvestmentLegal Affairs Department combined with years of legal service experience in thefinancial industry and the provisions of national policies and regulations, putforward his own Suggestions on the problems that private financing guaranteecompanies should pay attention to and the countermeasures.

Lawyer Song Lukai mainly explained throughfour parts. First, define the concept and business scope of financing guaranteeand determine the applicable object. Second, through the analysis of a largenumber of financing guarantee companies related cases, so that we have a moreintuitive understanding of financing guarantee business, through the case tofind the problem; Thirdly, it summarizes the problems that financing guaranteecompanies should pay attention to at present, including corporate governancestructure, one dominant share, false capital contribution by shareholders,withdrawal of funds, inadequate monitoring of risks, and unsound rules andregulations. Fourth, how to deal with all kinds of risks, from companymanagement to daily operation, and finally to payment collection.

从问题的产生到解决，多层次多角度分析当下融资担保公司的问题及应对措施。

From the emergence of the problem to thesolution, the current financing guarantee company's problems andcountermeasures are analyzed from multiple perspectives.