| The experience of world economy development indicates that although the big enterprises are backbones of national economy, small and medium-sized enterprises (SMEs) is important on raising GDP .After sixties to seventies of the 20th century, countries all over the world, including China, have paid close attention to SMEs' functions on employment expansion, market flourish, incomes increase, promotion of social stability and forming rational national economic structure, etc. However, because of lacking credit records and information transparency, SMEs meet many difficulties. In order to solve this problem, many countries have introduced credit guarantee to offer enough credit support for SMEs. It is also the important means to dissolve financial risks and improve the financing environment. Practice has proved that, on Chinese lending market, the joining of credit guarantee organizations (CGOs) can alleviate the financing difficulty of SMEs to acertain extent. But Chinese credit guarantee system still needs to be improved further. And because Chinese CGOs have many problems concerning operation mode, capital source and losses share, risks control and outside environment since the earlier design stage, their operation efficiency is generally low. In a word, they are far from meeting the financing demands of SMEs. The contents is following,1 .Introduce part, include aim of selection,state and ways of studying and structure of the thesis.2. The relation of Small and Medium-sized and the Credit Guarantee.3. State and problems of Small and Medium-sized the Credit Guarantee in China now.4. The experience of Small and Medium-sized the Credit Guarantee in the world.5. The imaged model of Small and Medium-sized the Credit GuaranteeThe thesis has the creativity standpoint primarily is: First, put deeply analyzed Small and Medium-sized the Credit Guarantee of China and foreign; second, put some ideals of Medium-sized the Credit Guarantee model. |
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