Study On The Model Of Credit Gurantee For Beijing High Technology Small And Medium Sized Enterprise

High-technology Small and Medium-sized enterprises (SMEs) is the main part of the high-tech industry, which is also the most active and efficient part in the world's innovation system. Beijing High-tech industry contributes mostly to the city's economy and has become the main force to the economic growth. But Beijing high-tech SMEs are generally facing the financial problem.In order to resolve the financial difficulties of SMEs,BeiJing government set up a policy-oriented "One Body Two Wings" Credit Guarantee model in 1999,but which was not as expected as to meet the financial needs of high-tech SMEs.Based on the theoretical and credit guarantee model of developed contries' analysis, this paper also in view of Beijing high-tech SMEs credit guarantee model's defects which concerning operation mode,capital source and losses share,risk control and outside enviromentand.Then put forward a proposal to set up a new model of high-tech SMEs credit guarantee,which gives priority to mutual-high-tech SME credit guarantee institutions of the three kinds of credit guarantee institutions.Then use the theoretical model which include the'risk' factor to support the reconstruction.This paper also makes suggestions to the outside environment of the effective operation to the High-tech credit guarantee in BeiJing.