Our Country's Guarantee Industry Research For Development Orientation

The small and medium-size enterprise plays a very important role during the development of our country's economy. It faces all kinds of difficulties in the course of its development among which the financing difficulty has been the heaviest obstacle. Setting up guarantee organization and providing the specialized guarantee for small and medium-size enterprise financing is the effective way for solving financial difficult for small and medium-size enterprise .Firstly, the thesis induces and comb domestic and foreign existing related research theory about guarantee industry, and clears off the study route, and establishes the research direction-our country guarantee industry development orientation.The second chapter of the thesis summaries up our country's guarantee industry development course and the present situation. It pointed out that organizing guaranty company in our country is for solving finance difficultly for small and medium-size enterprise , from at first the government investment pattern to the present development pattern of government guarantee and the commercial guarantee coexisting. At same time , it analyzes the development question, reason and tendency in our country guarantee industry. After that, the third chapter of thesis introduces systematic the origin, development and present situation about overseas guarantee, and compares main overseas or the local guarantee industry ,thus makes the upholstery or the model for our country guarantee industry development orientation research.Following closely, the thesis models experience from developed country ,and makes research about our country guarantee industry development orientation form setup, the service variety, the risk management, the profit pattern, and so on. The research points out that should establish the multi-level service system on the guarantee ; aim at the market in the service variety, and model overseas experience , increases the innovation dynamics and service variety; make the main elaboration to the risks shared principle in the risk management ; increase the income channel in the profit pattern as far as possible .Finally, the thesis makes extend to the following research direction , pointes out that the innovation of service variety is eternal, is important method of increases the source of income and the enhancement profit level.The innovation of article displays mainly in three aspects: guarantee organization setting up , innovation of service variety , risk management. The deficiency is some innovation variety is unable in detail to launch because of the limited length.