A Study On The Development Of Chinese Small & Middle Enterprise Credit Guarantee System

Whether we see from the contribute to GDP of middle and small size enterprises,or their quantityjob supplying quantity from them,they are becoming an important part of our national economy development more and more,every country pay much attention to the development of middle and small size enterprises,but the development of them are almost all facing with a difficult:financing,it's becoming a world wide difficult now.International experiences show, credit guarantee is an effective way to resolve this problem,establish an credit guarantee system of middle and small size enterprises becomes a popular way to support those enterprises from governments all over the world.Chinese credit guarantee of middle and small size enterprises starts from 1992,after more than ten years research,we have a certain degree achievement on building of this system,still,due to the late starting and scarce of experience,and the immature economic environment of Chinese market,the operation of this system still has many problems,so it has a positive reality significance to discuss on this point.First,this article introduces relative concepts,the construction of credit guarantee system of middle and small size enterprises,then analyses it's function from economy,then introduces the building history and reality situation of Chinese credit guarantee system of middle and small size enterprises.Then analyses some successful example in the world,the author trys to find out something we can learn from.Then point out popular problems and its reasons in Chinese credit guarantee of middle and small size enterprises, in the end,the author put forward a conceive about Chinese credit guarantee system of middle and small size enterprises from it's construction and outside environment.The possible innovation in this article are following:the research connects Chinese credit guarantee of middle and small size enterprises reality with the system construction,studys all factors one by one,then finds out present problem,and improves a certain improving method.At the same time,on the model choice of credit guarantee,the author improves her own point:policy guarantee and business guarantee using at the same time,each has its focus point,each has its duty.This article means to carry out some useful discussion upon system building\system arrangement,hopes to give some valuable references on the development of credit guarantee system of middle and small size enterprises.