Researches On Financing Guarantee Patterns For The Small And Medium-Sized Privately Operated Enterprise

In recent years, due to the lack of effective property security, and the faint mutual trust between financial departments and many system flaws in development, the small and medium sized privately operated enterprises now face extremely common financing guarantee problems.Although relative departments such as the People's Bank of China and Ministry of Finance and banking regulation commission have taken measures such as providing loans for the small and medium sized privately operated enterprises, the result is far from satisfactory. As a result, financing guarantee has become the bottleneck to restrain the development of private enterprises and national economy. Therefore, on the bases of contrast analysis of the pattern for the small and medium-sized enterprise of America , and " Li'zhuang Self-Service Guarantee " in Bin'zhou city, Shandong Province, combining the present situations of financing guarantee of the small and medium sized enterprises, we put forward the constructive opinions on financial support for the economy development of the small and medium sized enterprises.First, the article analyzes the current problems in financing especially in loaning, and gives a detailed examination into the main causes for financing problems, and put forward the proposal to solve the problems with the help of intermediary organs.Next, the article gives a contrast on the effective ways to solve the financing problems for the small and medium sized enterprises in abrord and domestic , On the one hand,we analysis the pattern of enterprises finance on American .On another hand,we analysis"Li'zhuang Self-Service Guarantee Pattern" in Bin'zhou city,"the Textile Enterprise Inner Guarantee Pattern" in He'zecity in Shandong Province and "Farmers' Loaning Guarantee Association" in Wu'zhi county, He'nan procince. And so on..Finally, the article provides constructive opinions on the bases of analysis and summing up the upper conditions, such as enlarging to support the small and medium-sized enterprise from finance , condstructing the system of the small and medium-sized enterprise financing and management suiting our country national condition; bettering credit guarantee system in nongovernmental enterprises to solve the financing problems for the small and medium sized privately operated enterprises; and sticking to financing theory, productions and notion innovation to break through the financing problems for the small and medium sized enterprises and privately operated enterprises.