Research On Small And Medium-sized Enterprises Credit Guarantee

At present, the small and medium-sized enterprises have become an important constituent of national economy. It plays an important role in creating employment post, increasing state revenue, giving an impetus to technology innovation, export promotion as well as maintaining the economic vitality. However, small and medium-sized enterprises development has many limiting factors, finances problem in particular difficultly. Under this background, the small and medium-sized enterprises credit guarantee arises at the historic moment. Through the credit guarantee organization introduction, it may promote the small and medium-sized enterprises credit rank, and share the credit risk, and make up its mortgage goods insufficiency and so on. The overseas economists consider generally the credit guarantee is the most effective tool in the small and medium-sized enterprises policies which governments provides both in operation area and utility area. In our country, we already established all sorts of small and medium-sized enterprises credit guarantee organization with different name and type in the beginning of 1990s. It play an vital role by establishing small and medium-sized enterprises credit guarantee organization in alleviating the credit ossification contradiction which appears in the commercial bank and business organization reform, and solving the small and medium-sized enterprises finance problems, and promoting our country credit system aspect and so on construction. However, along with our country market economy system reform, each kind of small and medium-sized enterprises credit guarantee organization which all levels of governments leadership as well as the social economy main body constructed, have all one's goods in the window, and has not displayed its functions, and the industry management and the self-discipline management system have flaws, and the credit guarantee system is not perfect and so on. Therefore, this thesis thoroughly analyzes small and medium-sized enterprises credit guarantee organization present situation and the general rule in our country, and summaries small and medium-sized enterprises credit guarantee in the world main successful experience, then constructs small and medium-sized enterprises credit guarantee system and the institution frame in our country. It will dredge the small and medium-sized enterprises financing channel, and promote the small and medium-sized enterprises...