Credit Guarantee Practice & Revelation

Investment and maintaining of capital is the necessary condition for building, survival and development of enterprises. Capital is the persist impetus for economic activities of enterprises. Owning to congenital special feature of small and medium enterprises, and less perfect of social credit system, it's the key problem needs to be solve is the difficulty of financing and financing environment among the development of small and medium enterprises. Foreign and inland practices reflect that credit guarantee system is an available method to support small and medium enterprises by government in various countries. Credit guarantee plays a very important role in promoting SMEs to improve credit ability and slowing the difficulty of financing. And also is the model of combine of marketing system and macroscopic control, is an availability method to change administrative means to policy guidance, is the main tactic to rebuild bank and enterprises relationship, build credit concept, reduce finance risk and improve financing environment, is the main cures to care economic weak group under WTO.This thesis discuss under the condition of local guarantees the profession lawmaking currently lack, public finance compensate mechanism and capitals complement system not perfect, in how the small guarantee organization obtain the process that the financing institution reputation affirm, pass in the small guarantee organization and bank builds up the cooperative relation process in of some solid example, guarantee the main factor to really carry on the study certainly towards guaranteeing the organization at with the choice of the mode of cooperation that thebank cooperate in the both parties,, and with construction of the reputation ability that the guarantee practice to clarify to guarantee the organization oneself in the case example, especially the risk identify, scatter, guards against the measure and controls means is guarantees the organization to obtain the bank credit, also is in the small guarantee organization existence with can keep on the management of basic condition.