A Research On The Operating Mode Of Small And Medium-sized Enterprises Credit Guarantee Organization And Its Demonstration

The function of Small and Medium-sized Enterprises (SMEs) is becoming more and more important, but the problem of insufficient funds had become the most evident problem during the SMEs' development in our country, the financial difficulty becomes the obstacle of the SMEs' development. Through the analysis on reasons of the SMEs' financial difficulty, we can discover that the guarantee difficulty is the " bottleneck" in the all obstacles. The function of SMEs becomes more and more important in the economic development, but the capital's character of pursuing benefits of financial market makes SMEs' development more and more difficult. On one hand, the SMEs' development wants finance, on the other hand, the SMEs have no enough strength to provide the homologous assurance for its finance. This produces the antinomy of the need with the supply of funds, but the credit guarantee is the best method for solving this antinomy.After ten years' development of the guarantee industry, it had reached a certain scale. But because of lacking of unitive and normative direction, the guarantee industry becomes out of order in a certain degree, for example, many guarantee organizations are not real ones, many haven't the ability of guarantee or enter the industry of guarantee for other purposes and the risk management of SMEs is not even, etc. These problems are reflected by the form of guarantee risk in the end. At the same time, they also make the sustainable developing ability of guarantee organizations subjected to query. Under such background, the research on the operating mode of guarantee organization has realistic meaning and urgency.According to the request of marketing operation, the theoretic and the practicalfields pay more attention to the innovation of the operating mode of the SMEs credit guarantee organization. The operating mode of SMEs credit guarantee organization is a generic name of operating mechanism, management system and management method of guarantee organization. It mainly includes the guarantee organization's establishment mode and the organization form, funds sources and total guarantee scale, guarantee object and conditions, guarantee category and scope and the guard and control of guarantee risk etc contents. The operating mode is the core of the SMEs credit guarantee system, and whether it is reasonable or not, it determines the operating efficiency of the guarantee organization to a great degree even the success or failure of operation.This thesis takes it as the background, sets the starting point on the analysis of condition of guarantee organization in our country, elaborates the definition of the SMEs credit guarantee organization's development, characteristics and the operating mode, and at the same time compares the operating modes home and abroad. According to the definition of the operating mode of guarantee organizations, the thesis focuses on the credit guarantee organizations' choice of the organization mode, guarantee organizations' guard against risk and their control of risk, the guarantee organizations' financial parameter analysis and the guarantee organizations' mode of cooperation with bank and government. In the choice of the guarantee organizations' organization mode, the thesis analyzes the main factor of influencing organization structure, the principle of establishment, the choice of establishment mode and the organization form. In the aspect of the guard against with control of risk, the thesis analyzes the reason that produces risk and carries on the classification to the risk. The thesis uses the fuzzy comprehensive evaluating model to carry on the quantitative analysis on the guarantee risk, and make use of the mathematical method in analyzing contrary choose problem. Finally this chapter put forward the measurement of risk management. In analyzing the financial parameter of the guarantee organizations, this thesis concentrates on the calculation method of the guarantee scale, the compensation rate, the recovery rate, the guarantee expenses rate and the security deposit rate and the affecting factor.On the foundation of theoretic study, this thesis combines the establishment of Yulin SMEs credit guarantee corporate to carry on the substantial research. From present financial condition of the Yulin city, this thesis analyzes the possibility of the establishment of Yulin SMEs credit guarantee corporate, and discusses its design mechanism, operating mechanism and the obstacle that may meet.