The Construction Of The Medium & Small Enterprises Credit Guaranty System In Jilin Province

The words of credit and credit guaranty were not knew by the people when the reform and open of China have been started since 20 years ago. However with launching of the marketing economy gradually, the credit imperfection becomes a big problem of the development of economy in our province, the urgent matter of the moment is to construct the citizen credit system and to promote the level of the social trustworthiness. As the important link of the credit system of citizen and the important means of promoting the social trustworthiness level, the development of the credit guaranty having also been a focus by the people.The medium & small enterprises has been developing faster with the reform and open of china, and have already occupied a very important situation of the national economy, creating a great deal of employment opportunities and social wealth, just become a new section for the development of the national economy.The difficult of development of the medium & small enterprises in our province is specially in the need of financing and loan satisfactory. The need of financing and loan of enterprises present little, quick and short, but because of the lack of supply of fund and the quantity limit, the same because of irregularity of the property structure and quantity of property in medium & small enterprises, make its funds supply being not satisfy, so the credit guaranty is positive emerge with the tide of the times. The credit guaranty system is in a role which plays the bridge and medium between the need of financing of the enterprises and the supply of the funds.The medium & small enterprises service theories expatiate that the government as a dominant combining the social various organizations, build up a professional, serial and social medium & small enterprises service system providing the service for medium & small enterprises, and lead the behavior of the medium & small enterprises to match the national industry policy, as improving and raising their character, push them go faster and better. The modern marketing economy is called " credit economy " too, the credit may rise quantity and value of producing, invest, consuming and incomes. so we can get a conclusion that the credit guaranty has the same function in the above fields.The formation and first step practice of the medium & small enterprises credit guaranty give us a revelation that the credit guaranty have the function to enlarge with lever and satisfy more needs with less devotion, comparing with other policies funds supporting way's such as the interest stick, free of tax, allocate funds, and invest etc. . The guaranty can make the policy funds to promote the exertive larger function of economic development. At the same time, the credit guaranty organization with serving in the medium & small enterprises, make up less of credit of the medium & small enterprises, solve their difficulties in margin, not only can carry out the economic performance of the oneself, but also can pull the dynamic extension employment, raise the tax source and prospers the comprehensive performance of the economy and stability of society.The credit guaranty organization not only is influenced equally in developing and enlarging by various factors such as the national policy, law system, management, the business enterprise reputation and the whole social credit environments and the construction of organization oneself etc, but also exist blemishes of the structure, management and function which cause many problems in practical activity including little of capital, small scale, funds singleness, government intervention, inconsistent policy and lag laws. How to solve these problems is the topic that we need to research hardly.According to the actual circumstance of the medium & small enterprises and the condition of margin, the construction of the medium & small enterprises credit guaranty system in our province should take national policy as the direction, the potential developing medium & small enterprises as the object, pr...