Chengdu, The Implementation Of The Sme Credit Of Mutual Credit Model

The medium and small-sized enterprises (MSEs) play a very important role in the development of Chengdu's economy. It can efficiently absorb a large amount of labor force and activate the market atmosphere, stabilize society and adjust the structure of the city economy. Sine the MSEs are neglected for a long time, many problems occur, among which the problem of financing is a practical barrier in their development. Along with better economic practices and in-depth theoretical researches, great attention has been paid to the subject of financial difficulty in the MSEs. From the orientation of government policies to the reform of financial mechanism system, all of them are aimed at solving this problem. However, finance, after all, is a comparatively deficient resource. According to the allocation patterns of resources in market economy, financial difficulty is still a basic characteristic of Chengdu's economy at the present stage. So the thesis discusses the financial problem of MSEs through credit cooperation with MSEs, which will make very practical significance to solve it, promote the development of MSEs and Chengdu. This subject was selected because of the writer's concern of the mentioned above problem. Under the guideline of financial mechanism innovation and business process reengineer of credit financing, from the view of credit cooperation with MSEs, the paper begins with the situation of experimental efforts on credit cooperation for MSEs, and summarizes and analyzes existing problems and deficiencies. According to the practical situation of Chengdu city, the paper proposes feasible means and some ideas about how to popularize credit cooperation model for MSEs in Chengdu city. I hope it will be useful to the following work, realize the original goal of supporting MSEs and finally promote MSEs'smooth development. The thesis combines analysis of theory and practice. Here in this essay, based on the experience of setting up credit cooperation in those advanced areas of our country and the other countries, I put forward my proposals to develop credit cooperation with MSEs in Chengdu city. The whole thesis consists of three chapters: Introduction gives a brief introduction to the status of research on credit cooperation with MSEs and background of selecting this topic. It points out the particularity and necessity of credit cooperation for MSEs and gives a brief introduction to the collection of materials, argumentation methods, fundamental ideas, logical construction and key points of this paper. Chapter 1 mainly analyzes the financial situation of Chengdu's MSEs. At first, from the classification of MSEs, it defines its conception and sphere in this article. Then it introduces the development status of MSEs and points out its important role in Chengdu'economy. According to the financial problem of MSEs at present, it analyzes the financing system of MSEs in our country and other countries, and concludes that only commercial banks are the main and possible source of fund for MSEs. Then, it points out that the credit cooperation provides a possible way for solving the financial difficulty of Chengdu's MSEs, and explains the purpose and necessity to write this thesis. Chapter 2 mainly analyzes the development status of credit cooperation for Chengdu's MSEs. Firstly, it analyzes the development status of credit cooperation with MSEs in the other areas of our country and the other countries, and comes to the conclusion that credit cooperation model is an innovative financing way for MSEs in our country. Then it emphasizes the development situation of experimental efforts on credit cooperation in Chengdu city, and analyzes a case. Finally, it analyzes the necessity and possibility of developing credit cooperation with MSEs in Chengdu city.