企业研发“服务标准化”体系，业内建议应形成全国性标准 Enterprise development“Service standard”system，The recommendations should form a national standards

　　据新华社广州7月22日专电 在温州、广东等地纷纷曝出担保公司老板“跑路”事件后，市场主体也由此展开一场“自救行动”，探索自下而上建立担保行业服务标准化体系，寻求担保行业健康可持续发展。

According to xinhua news agency, guangzhou July 22, ZhuanDian in wenzhou、Guangdong to expose in succession guarantee company boss“Run road”incident，The market main body also began from a“Self-rescue action”，Explore bottom-up establish guarantee service standardization system，Seek security industry sustainable development。

　　业内人士呼吁，政企要联合起来整治担保行业乱象，市场自下而上的探索应该逐步上升到政策层面，让担保行业进入健康发展轨道。

Industry insiders call for，Government should unite and the security industry the mess，The market bottom of the exploration should rise gradually to the policy level，Let the security industry into the healthy development track。

　探索建立服务体系标准化 Explore establish service standardization system

　　日前，广东省佛山市展鸿担保有限公司向业内推出“服务标准化”体系。据展鸿担保公司经理刘九华介绍，服务标准化最大特点就是各项服务公开、透明、快捷、规范，客户可以及时了解自己的融资项目进展，并提出反馈意见。这相当于给中小微企业客户吃了“定心丸”，他们不用担心融资时间太长而错失发展良机，从而避免商业贿赂，降低中小企业融资成本和风险。

a，Foshan city, guangdong province, show the guarantee Co., LTD in the industry to launch“Service standard”system。According to show the manager LiuJiuHua guarantee company introduction，Service standardization is most characteristic public services、transparent、quick、standard，Customers can prompt understanding their own financing project progress，And feedback。This is equivalent to the enterprise to small and medium-sized customers eat“sides”，They don't have to worry about financing time is too long and missed opportunities，To avoid the commercial bribery，Reduce the small and medium enterprise financing cost and risk。

　　中华民营企业联合会执行理事长王远枝说，中小企业的头等困难就是融资难，而担保行业在其中发挥了很大的作用，但规范化发展仍是摆在担保行业面前的一道急需破解的难题。因此，由市场主体自下而上探索建立担保行业服务标准体系意义重大。

The executive chairman of the association of private enterprise WangYuanZhi said，Small and medium-sized enterprises is the top difficult financing，And guarantee in which industry have a role to play，But standardization development is still in guarantee a break before industry need of difficult problems。so，The market main body bottom-up explore to establish standard system guarantee service is of great significance。

　　行业“三大乱象”横行 industry“Three chaos in like”Across the

　　“担保机构和银行曾经以我们公司老板单身为由，把我们的贷款额砍掉了一半。”佛山市金海达瓷业有限公司董事长金红英气愤地说。

“Guarantee agencies and bank have our company boss on the single，We cut off half of loan specified amount。”Foshan JinHaiDa ceramics Co., LTD. The chairman JinGongYing angrily say。

　　业内表示，目前担保存在的问题突出表现在三个方面：一是担保行业发展参差不齐。从全国来看，担保行业的市场空间很大。但另一方面，有些地方担保公司过多过小，质量不高，并且涉嫌违规违法经营。二是担保机构在与银行的合作中处于弱势地位，没有能力将风险控制在合理的范围内。三是担保机构赢利空间有限，这也导致一些人认为担保行业“不违规就无法获利”。

The industry says，It currently guarantees problems outstanding performance in three aspects：One is the security industry development is uneven。nationally，Guarantee profession market space is very large。But on the other hand，Some local guarantee company too much too small，Quality is not high，Alleged violations and the illegal business。2 it is guarantee agencies in the cooperation with bank in disadvantaged，Without the ability to risk control in the reasonable scope。Three is the guarantee agencies to profit space is limited，It also leads to some people think that the security industry“Don't violate compasses cannot profit”。

　　广东省佛山市担保协会会长吴列进认为，政策层面的管理办法要根据行业的发展变化来改进，充分考虑担保行业的生存空间。目前有些担保公司出现的违规经营，不是担保业务出了事，而是担保之外做了其他不该做的事情。政企需要联合起来建立行业服务标准，为担保行业“正名”。

Wu, chairman of the association, foshan city, guangdong province, guarantee among think，Policy measures for the administration of level according to the development of the industry to improve，Full consideration of the guarantee of living space industry。At present some guarantee companies appear of illegal business，Not guarantee business with an accident，But the other outside guarantee not to do things。Between the need to unite to build industry service standards，As a security industry“name”。

　　对此，工信部研究员、中国中小企业发展促进中心融资服务处处长宋新力建议，佛山担保企业提出的服务标准化体系逐步完善和充实后，应该成为区域的行业标准，并最终形成全国性的标准。王远枝还建议，监管部门要加强监管力度，打击以担保名义从事的违法违规行为。另外建立一个政府主导市场化运作的信用担保基金，构建政策性和商业性相结合的担保机构等。

this，The researchers believe work、Chinese small and medium-sized enterprise development promoting financing service center director SongXinLi Suggestions，Foshan guarantee enterprise proposed standard service system has been improved gradually and full，Should be a regional standards for the industry，And eventually form the national standards。WangYuanZhi also suggested，Supervision departments should strengthen supervision，Blow in the name of security illegal behavior。In addition to build a government leading marketing operation credit guarantee fund，Policy and commercial construction with the combination of guarantee agencies, etc。