The Study Of Perfecting The Small And Medium-sized Enterprises Credit Guarantee System In Chongqing

The financial difficulty of Small and medium-sized business enterprises is a common problem during the economic development of every country. Chongqing is an industrial city with many small and medium-sized business enterprises. The financial difficulty is a main factor that restricts their development particularly. The problem consists in the blemish of the system and the lack of the business enterprises' credit, therefore, it is the key method to push forward the innovation in the financing system of the small and medium-sized business enterprises strongly, to establish and perfect the credit guarantee system.The purpose of the research of this paper: According to the present condition and the problems of the credit guarantee system of the small and medium-sized business enterprises in Chongqing and the analysis of the financing guarantee system of the international and national small and medium-sized business enterprises, this paper pushes forward the opinions to establish and perfect the credit guarantee system in Chongqing.The methods of the research of this paper: 1.Comparative. First, the paper compares and analyzes the credit guarantee system of the small and medium-sized business enterprises in some countries and regions, then concludes some basal rules about the credit guarantee system. 2.Investigating. First, the author investigates the development of the small and medium-sized business enterprises and the actuality of the credit guarantee organizations in Chongqing. Then the author tries to find out the main problems. 3.Quantitative analysis. Through analyzing the important indexes of the guarantee multiples, the duty ratios, the loan loss rate and so on, the paper finds out the relationship among them and decides the suitable control indexes. 4.Synthesizing study. The author synthesizes the analysis and research on the credit guarantee system of the small and medium-sized business enterprises in Chongqing, then puts forward the basic modes of the system and the prevention and control mechanism about the risk of the guarantee organization. This paper draws the following conclusions according to the study on the credit guarantee system of the small and medium-sized business enterprises in Chongqing: Owing to the problems of the slow developments of the system's exterior environment, of the imperfect system and the irregular operation, and of the inconsistent with therelative sections, the government should fulfill its duty to perfect the relative laws and regulations, to enhance the administration, to give the public finance support, to spread the experience of the guarantee experimental units and to enlarge the tryout extent, in order to create good exterior environment for the system, At the same time, the social credit system and the service system of the small business enterprises must be quickly developed. The credit guarantee society should enhance the internal developments: to perfect the system construction. The guarantee organizations should improve the levels of the diathesis and the management of the staff, explore some good ways of investing and financing, operate regularly, perfect the mechanism of the risk control, risk compensation and risk transfer. At the same time, the guarantee organizations should handle well the relations with the banks, the enterprises and the government sections, which administrate business, tax, building, the national territory, customs, court houses and so on.