Sme Credit Guarantee Mechanism

High-tech SMEs are the most dynamic and development prospects of enterprises under market economy, are the basis of seeds of future large high-tech enterprises. From the desire of scientific and technological innovation of SMEs, this paper has a more systematic analysis on SME credit guarantee mechanism design, which is practical significance for speeding up scientific and technological innovation and the development of enterprisesThis study concluded that: Started from the actual of China's SME credit guarantee and the demands of scientific and technological innovation of enterprises, the basic compositions of SME credit guarantee system are: a policy to guarantee institutions as the basis, commercial security agencies as the main body, Mutual security agencies to supplement. We must give government financial capital into full play for its leading and incentive function; We should use market mechanism to improve the main function of the market of commercial secured ;We should impose the high-tech industrial clusters to form a characteristic mechanism of mutual security The main elements of SME credit guarantee mechanism still need to further establish and improve related laws and regulations, policies and systems , to improve the security of the social services system, to uphold the basic principles of credit guarantee system for the healthy operation, to strengthen the security risk control mechanism.