Contrast Research Of The Financing Assurance System Of Sino-South Korean Small And Medium-Sized Enterprises

Under the market economy condition, Small and medium-sized enterprises have already become the indispensable important component of the market as large-scale enterprise. Account for 99% in total amount small and medium-sized enterprises , enterprise of our country ,worker number account for 70%, assets total value account for 50%, the sales amount accounts for 60%, is playing an important role in alleviating the pressure on employment, promoting the economic growth etc.. Our government degree of attention to small and medium-sized enterprises strengthen day by day, issue a series of support measure of development of small and medium-sized enterprises successively already. But the difficult problem of financing of small and medium-sized enterprises of our country has not been solved fundamentally at present, the shortage of funding is still primary problem of restraining the small and medium-sized enterprises of our country from developing further. The financing main channel of small and medium-sized enterprises of our country is still the bank, but because the market competition of small and medium-sized enterprises has a big risk, lacking effective assets mortgage and credit to assure again, so have restrained the commercial bank of our country from throwing in the credit of small and medium-sized enterprises seriously. Because small and medium-sized enterprises grant the loan the difficult main reason is the support that small and medium-sized enterprises lack the sound credit assurance system, so it is to help enterprises to solve the effective way with difficult loan and assuring the difficult problem to set up credit assurance system, can reduce and disperse the risk of granting the loan of financial institution effectively , it is safe to safeguard the fund, thus establish the new-type andgood silver enterprise's credit relationship under the market economy condition , favorable to the steady and lasting fund input of small and medium-sized enterprises , improve the competitiveness of enterprises and delayed effect of development.48% countries and regions have set up the credit assurance system of small and medium-sized enterprises in the whole world at present, and assure to be still at initial stage in credit of our country. It is very important for taking precautions against the risk , controlling the risk , promoting the healthy development of credit assurance system and moving to maturity to study credit assurance system construction conscientiously. The construction of the credit assurance system of our country can use external experience for reference boldly , on the basis of assuring pilot project of funds in some local small and medium-sized enterprises , discuss and make the credit guarantee system of small and medium-sized enterprises which accords with the China's actual conditions , organize and set up nationwide small and medium-sized enterprises credit and guarantee that assure the association in the fund and small and medium-sized enterprises credit, bear the financing assurance to small and medium-sized enterprises in unison, construct and build up the rational financing assurance system of small and medium-sized enterprises.