The Study On Establishment And Improvement Of Credit Guarantee System Of Chinese High-tech Smes

High-tech SMEs play an important role as a new force of SMEs in promoting economic development and employment, and are the indispensable components in China's economic development. However, related to the Small and Medium Enterprises and China's other major traditional SMEs, the existence of high-risk, low start feature, the financing problem has always been of concern. Leading cause of difficulties in financing small and medium sized complex, one of the reasons is that there are many constraints currently SME credit guarantee system for the development of science and technology factors, such as credit guarantees related to the legal system and economic system is not standardized, operating environment is not perfect, credit guarantee institutions and credit rating system does not regulate the system so imperfectly. In view of this, we must take effective measures to establish and improve our steady and healthy development of SME.This paper collected relevant information and data, according to the reality of our credit guarantee and SME development demand, Integrated macro environment for the development of SMEs and micro-behavior to asymmetric information theory, from moral hazard and adverse selection problems in both a comprehensive and in-depth analysis and further enriches the science and technology credit guarantee system for SMEs.This paper analyzes the domestic and international science and technology credit guarantee of the related theory, combined with the United States, Japan and South Korea and other countries the experience of science and technology SME credit guarantee, and according to China's science and technology SME credit guarantee status, problems and causes of China's science and technology establishment of SME credit guarantee system and improving the problem. Financing structures for the information platform for SMEs to establish a breakthrough in science and technology, including credit collection, credit guarantee, credit rating, including community-based credit system to better serve the tech SMEs. Research and analysis by the United States, Japan, Korea, Germany and other countries relevant information on the credit guarantee, an objective analysis of the characteristics of scientific and technological development of SMEs, the normative analysis of the related issues, discusses the sources of scientific and technological SME credit guarantee funds, operating environment and other issues.Innovation of this paper is to propose the establishment of science and technology for the government to set up SME credit guarantee information platform needed to standardize the credit guarantee system needs financial regulatory institutions, in order to promote scientific and technological development of SME credit guarantee system and perfect.