The Applied Research Of Mutual Guarantee Pattern Of The Small And Medium-sized Enterprise Colony Financing

The small and medium-sized enterprise is an important component in our country's economy, promoting economic development, resolving labor force employment and maintaining the social stability. To provide much fund to the small and medium-sized enterprise to support its' development, the community public figures are seeking for one kind of pattern to alleviate the financing pressure. Pass through many year practices, they has obtained one kind of simple highly effective financing pattern--Mutual Guarantee financing pattern. This kind of pattern can provide the guarantee effectively for small and medium-sized enterprise financing. However, in our country, because the mutual guarantee pattern starts to practice shortly and lacks the consummation the legal backing. So, has many problems in the actual utilization, for example: fund management and risk control and so on. Therefore, the mutual guarantee pattern's promotion has the broad prospect, but also has many barriers.This article takes the object of study by small and medium-sized enterprise colony financing, and takes actuality which our country colony financing and contrasting the main financing pattern as the foundation, to draw out the mutual guarantee financing pattern. Through reality demand, elaborated the implementation mutual guarantee pattern necessity from macroscopic, the intermediate and the microscopic angle, and, analyzed the feasibility of this pattern, from small and medium-sized enterprise's strength, government's support as well as advantage of this pattern. Recently, the process of implementing mutual guarantee has many problems which must be solved, for example:The fund small, the government serious intervention, as well as the risk control and the compensation mechanism imperfect, the sustainable ability difference and so on, the author proposed a series of countermeasures and measures, and put forward the proposal about the aspect of the risk control and the fund management.