Chapter One The profile of guarantee industry  1

Section One Basic conception and relation of guarantee        1

First, concept of guarantee     1

Second, classification of guarantee         2

Third, characteristic of guarantee  4

Section Two The review of development course of guarantee industry in our country  5

 

Section One Analysis policy and law         11

First, limitation and innovation of property guarantee system of our country       11

Second, start "property law" movable property guarantee clause need improved and complete mechanism     17

Third, “Property law” realize five breakthrough of movable property guarantee  20

Fourth, 255 credit guarantee organization of small and medium–sized enterprises exempt from the business tax in the 3 years      21

Section Two Legal predicament and solving thinking of guarantee system of financing and accommodation bonds of our country     30

First, external legal system about financing and accommodation bonds guarantee     30

Second, the legal predicament of current guarantee system of financing and accommodation bonds of our country 46

Section Three Development trends of world guarantee system    58

First, the system reform of international movable property guarantee         58

Second, Japanese financial institution bear 20% little company loan guarantee   67

Third, system frame of managing business of foreign collateral    68

 

Section One Basic situation of market development       74

First, instauration mode of guarantee organization       74

Second, the current situation of guarantee organization's development       75

Third, subject problem existing in operation  76

Fourth, Countermeasure and suggestion of further development          79

Fifth, management benefit analysis of guarantee trade         81

Sixth, main risk analysis of guarantee industry       82

Section Two Current situation analysis of market development of guarantee trade     85

First, current situation analysis of market development of guarantee trade         85

Second, guarantee industry of China in the ascendant  97

Third, predicament analysis of investment & guarantee company         103

Fourth, guarantee chain initiates the achievement crisis       109

Fifth, the risk control of guarantee company  117

Sixth, the bull of guarantee industry of our country supervises troublingly    123

Seventh, survival investigation of membership system guarantee Company         125

Eighth, guarantee credits achieve prosperity          141

 

Section One Development overview of credit guarantee        147

First, developing state and prospect of credit guarantee industry of our country 147

Second, development of credit guarantee call finance support      160

Section Two Construction of credit guarantee system of small and medium-sized enterprises    164

First, international experience of construction of credit guarantee system of small and medium-sized enterprises   164

Second, several question of credit guarantee of small and medium-sized enterprises 187

Third, economic essence and commercialized operation terms of credit guarantee of small and medium-sized enterprises      195

Fourth, thinking that improve the credit guarantee of small and medium-sized enterprises         208

Fifth, construction of the credit evaluation system of small and medium-sized enterprises 221

Section Three Current situation of the development of credit guarantee industry of small and medium-sized enterprises of our country    234

First,our country forms the multi-level credit guarantee system of small and medium-sized enterprises tentatively 234

Second, credit guarantee organization of small and medium-sized enterprises need support of tax revenue      236

Third, cooperative situation analysis of bank and guarantee 240

Fourth, State Development Bank support system construction of credit guarantee of small and medium-sized enterprises      246

Fifth, Zhongguancun scientific and technological enterprises can apply to no mortgage guarantee fiduciary loan      248

Sixth, Chongqing transplants " union guarantee " to settle the difficult problem of financing guarantee of industrial enterprise         249

Seventh, exempt from the business tax of 3 years for the loan guarantee of small and medium-sized enterprises in Hunan      250

Eighth, Liaoning Province finance and guarantee for the small and medium-sized enterprises    251

Ninth, the credit guarantee industry of Jilin Province offers strong support for private economy         253

Tenth, special guarantee fund of university students' innovative undertaking issue     255

 

Section One Development overview of real estate project guarantee   258

First, state of foreign construction contract guarantee 258

Second, development and reference of U.S.A. construction contract guarantee system      262

Third, procedure of project guarantee business     273

Fourth, introduction of construction contract guarantee business         274

Fifth, loan guarantee of development of real estate       275

Sixth, the guarantee form of the real estate loan  281

Section Two Development trends of project guarantee industry   285

First, Shanxi pursue project construction guarantee system by force in 2007        285

Second, Henan introduce construction project guarantee system         286

Third, Hangzhou project guarantee system begin to pursue by force    288

Fourth, foreign capitals enter curve guarantee real estate   289

 

Section One Operation of guarantee organization in U.S.A.'s family education loan and meaning in the national student loans of our country    293

First, loan scheme of the federal family education (FFELP)     294

Second, operation of federal family education loan scheme and function of guarantee organization   296

Third, main content of guarantee organization financial report     299

Fourth, new way that guarantee organization cooperate with American federal government     303

Fifth, enlightenment that U.S.A. federal family education guarantee organization give to operation of State-subsidized student loan guarantee of our country         306

Section Two Development of small guarantee loan of all parts      308

First, development course of small guarantee loan        308

Second, Beijing reduce threshold of small guarantee loan, simplify the examination and approval procedures   310

Third, non-performing loan rate of small guarantee loan of Changsha city reach 12% 312

Fourth, small guarantee loan of Jilin Province have made brilliant achievements 313

Fifth, the upper limit of personal small loan of Sichuan-Tibet advance to 50,000 yuan  318

Sixth, Guangzhou offer the small guarantee loan of venture for the most needy graduates of local students source 321

Seventh, Chongqing bank cooperate with government to innovate guarantee loan mode give financial aid to students     322

Eighth, have released the small guarantee loan totally ten billion at home  323

Section Three Development analysis of other guarantee business         325

First, question and countermeasure that guarantee loan of rural credit office exist     325

Second, development lesson of Model DB supplementary pension guarantee      330

Third, investigation and thinking of present loan mortgage guarantee work         337

Fourth, lease guarantee vie for car loan market     342

 

Section One The competitions analysis of guarantee trade   345

First, The regional distribution of the credit guarantee trade and structural characteristic of guarantee business variety         345

Second, lifespan analysis of guarantee trade 345

Third, barrier analysis of guarantee trade      347

Fourth, guarantee organization need promote one's own organizational behavior competitiveness   348

Fifth, the top ten credit guarantee organization of small and medium-sized enterprises with strongest influence power of the whole country    353

Section Two Institutional framework of guarantee organization   361

Section Three Analysis of especial guarantee organization    364

First,China National Investment & Guaranty Co., Ltd.   364

Second, Zhongtou credit guarantee Co., Ltd. 371

Third, China Credit orienwise guarantee group Limited Company          373

Fourth, China economic technological investment guarantee Co., Ltd.          383

Fifth, Beijing Zhongguancun science and technology guarantee Co., Ltd.      392

Sixth, Beijing Capital investment guarantee Co., Ltd.    393

Seventh, Guangdong Yinda guarantee investment group Co., Ltd.        394

Eighth, Guangdong Join-share guarantee investment limited company         399

Ninth, Shenzhen Huarong investment & guarantee Co., Ltd.         412

Tenth, Credit guarantee centre of small and medium-sized enterprises of Shenzhen   415

Section Four The trend that overseas-funded enterprise enters guarantee trade at home  421

First, the first real estate guarantee company of foreign capitals established in Beijing       421

Second, U.S.A. Silicon Valley bank beaches in the guarantee industry of Shenzhen        422

Third, credit guarantee organization of small and medium–sized enterprises of Shenzhen hand in hand with Bank of East Asia Ltd. for the first time   423

Fourth, the first foreign capitals guarantee enterprises will enter in Fuzhou         424

Fifth, the first Taiwan trader guarantee company opens ice  425

 

Section One Current situation of the development of guarantee industry of Guangdong Province       431

First, Guangdong guarantee trade it is large but not strong 431

Second, guarantee organization in Zhuhai includes in the financing platform of the four in one for the first time        435

Third, 80% registered capital of guarantee company in Zhuhai is the folk capital 436

Section Two Current situation of the development of guarantee organization in Beijing       438

Section Three Current situation of the development of guarantee industry of Zhejiang        440

First, the guarantee industry of Zhejiang breaks out of the encirclement      440

Second, the nongovernmental fund of guarantee industry of Ningbo is surged     445

Section Four Current situation of the development of guarantee trade of Jiangsu Province 450

First, Nanjing privateo guarantee company enters in " spring " gradually     450

Second, Changzhou guarantee trade makes up deficits          453

Third, Zhangjiagang innovates risks allocation way of guarantee organization     454

Section Five Current situation of the development of guarantee industry of Sichuan Province      456

First, Sichuan " root of the grass " guarantee that becomes " the climate " gradually 456

Second, great inventory of guarantee industry of Sichuan of 2006         459

Section Six Current situation of the development of credit guarantee industry of Shanxi      468

First, the subject problem that the credit guarantee industry of Shanxi stores     469

Second, the policy recommendations and countermeasure measure that develop credit guarantee industry of Shanxi      471

Section Seven Current situation of the development of other areas guarantee industry       478

First, Ningxia guarantee solve loan difficulty of small and medium-sized enterprises   478

Second, the first guarantee company involving agriculture is established in Henan Province        481

Third, current situation of the development of guarantee trade in Hunan Province      482

Fourth, analysis of the predicament of the credit guarantee of small and medium-sized enterprises of Gansu   487

Fifth, offshore funds enter the guarantee industry of Chongqing for the first time        489

Sixth, Fuzhou forms the trans-regional financing guarantee system of small and medium-sized enterprises tentatively    491

Seventh, Qingdao guarantee market " intensify " go on         495

Eighth, outstanding problem that Xinjiang guarantee trade exist in 2006     500

Ninth, current situation and outlet of guarantee of small and medium-sized enterprises of Shanghai          502

 

First, build up credit guarantee system tentatively         511

Second, guarantee that develop towards specialization, commercialized direction      511

Third, guarantee from cooperating in moving towards amalgamating 512

Fourth, the performance guarantee in e-commerce trade become new development opportunity of China guarantee industry         512

Fifth, securitisation of real estate loan creditor's rights and real estate mortgage guarantee assets offer the new opportunity for guarantee industry 512

Sixth, developing trend of six respects of guarantee industry of our country         513

 

First, developmental proposition of guarantee trade     515

Second, construct the guarantee inside control system of state-run listed company and     516

Third, commercial bank how should new regulation that company guarantee outside          526

Fourth, how to realize the guarantee property of account receivable   536

Fifth, the research of financial risk precaution that listed company guarantee outside         539

Sixth, the countermeasure research that improve the credit guarantee system of small and medium-sized enterprises of our country         547

Seventh, analyse and explain the crisis of guarantee industry        558

 

Chart: The list of credit guarantee organization of small and medium–sized enterprises which exempt from the business tax 22

Chart: The list of credit guarantee organization of small and medium–sized enterprises which cancel the qualification of exempting from the business tax earlier stage         28

Chart: All kinds of of our country guarantee organization's quantity and proportion in 2004        151

Chart: The whole world successful guarantee system   165

Chart:Global credit guarantee system   166

Chart: The investment share that bank participates in guarantee system to build the national bank  173

Chart: Elarge multiple of guarantee organization of some developing country or economic country (set up more than 3 years)         181

Chart: The guarantee system with higher multiple enlarge in the world       182

Chart: Development of credit guarantee organization of small and medium–sized enterprises of our country of 2005-2006     235

Chart: The development of credit guarantee organization of small and medium–sized enterprises of Zhejiang Province, Jiangsu Province in 2006       245

Chart: The management benefit of credit guarantee organization of small and medium–sized enterprises of Zhejiang Province, Jiangsu Provincel in 2006         246

Chart: The development of credit guarantee organization of small and medium–sized enterprises of Jilin Province in the first half of 2007         255

Chart: Types and characteristics of U.S.A.'s federal family education loan    296

Chart: The relation of critical rate,releases time of loan and compensates rates          301

Chart: Rate relation that loan release time and guarantee organization can keep after retrieving loan      302

Chart: Our country typical organization of guarantee trade  362

Chart: Institutional framework of Shenzhen guarantee centre of small and medium-sized enterprises       362

Chart: Credit orienwise Group's institutional framework       363

Chart: Institutional framework of Zhongguancunscience and technology guarantee company    364

Chart: Institutional framework of China National Investment & Guaranty Co., Ltd.     367

Chart: China National Investment & Guaranty Co., Ltd. staff's academic structure     367

Chart: China National Investment & Guaranty Co., Ltd. staff's professional title structure 368

Chart: China National Investment & Guaranty Co., Ltd. staff’s guarantee experience         368

Chart: Guarantee total value of China National Investment & Guaranty Co., Ltd. in 1994-2005  370

Chart: Guarantee remaining sum of China National Investment & Guaranty Co., Ltd. in 1994-2005   370

Chart: Main credit guarantee business of China National Investment & Guaranty Co., Ltd.         371

Chart: The area that Credit orienwise guarantee group Limited Company have already set up the organization by June of 2007         375

Chart: The institutional framework of Guangdong Yinda guarantee investment group Co., Ltd. 397

Chart: Examination and award or punish mechanism of credit guarantee centre of small and medium-sized enterprises of Shenzhen         418

Chart: Principle that credit guarantee centre of small and medium-sized enterprises of Shenzhen make business systems       418

Chart: Business variety of credit guarantee centre of small and medium-sized enterprises of Shenzhen    419

Chart: Concise business procedure of credit guarantee centre of small and medium-sized enterprises of Shenzhen 420

Chart: Overview of credit guarantee organization of small and medium–sized enterprises of national and Guangdong of 2005         432

Chart: Development of credit guarantee organization of small and medium–sized enterprises of Guangdong of 2005       432

Chart: Development of Beijing guarantee trade in 2006         438

Chart: The guarantee procedure of state-run listed company of our country        520

Chart: Risk early warning flow diagram of guarantee enterprises          525

Chart: Control procedure that guarantee enterprises fulfil related compensation responsibility          526