Management Issues and Countermeasures of Risk Compensation Funds from the Perspective of Cooperative Guarantee Institutions——Taking Yueyang City as an Example
The Interim Measures for the Management of the Risk Compensation Fund for the Development of Inclusive Finance in Yueyang City were promulgated on May 19,2022.The risk compensation fund referred to therein is used to guide cooperative banks and guarantee institutions to provide guarantee loan support for private enterprises,"agriculture,rural areas and farmers"entities,innovation and entrepreneurship,strategic emerging industries and other inclusive entities,and to provide risk compensation for the guarantee compensation losses of cooperative guarantee institutions in proportion.This article explores the relevant issues in the management of risk compensation funds from the perspective of cooperative guarantee institutions,proposes methods to reduce risks,and provides reference for the formulation of subsequent review systems for risk compensation funds,as well as for applying enterprises to obtain risk compensation fund resources.