A Study On The Development Of Micro - Credit Guarantee Insurance In Minority Enterprises Of Zhongguancun

In recent years, in order to further for small enterprises to provide more high quality financial services, to provide credit guarantees for small micro enterprises financing ability, reduce the small micro enterprise financing costs, improve small micro enterprise loan coverage, small loan guarantee insurance in our country, more and more areas "pilot". Zhongguancun small loan guarantee insurance policy issued and gf north points bank BaoBei with people cooperation signing ceremony was held on May 27, 2014, which marks the small loan guarantee insurance "pilot" formally in Beijing area.Zhongguancun area brought together a large number of high and new technology enterprises, so the zhongguancun area small micro enterprise financing difficult problem is particularly prominent. Zhongguancun small loan guarantee insurance is in order to solve this problem arises at the historic moment, it has received the social scholars and the development of zhongguancun the universal attention of government and financial institutions. Now, therefore, the small loan guarantee insurance how to better development in the zhongguancun area, its research meaning will not only embodies in the aspect of theory, and also has great research significance in practice.This article selects the zhongguancun area of high and new technology enterprise as the research object, through the analysis of the current situation of the development of the zhongguancun small loan guarantee insurance, then to zhongguancun pilot work for the development of small loan guarantee insurance has the characteristics of analysis summary. Then according to the analysis of the above summary, put forward the zhongguancun problems of small loan guarantee insurance pilot work. Finally, in order to the better development of the zhongguancun small loan guarantee insurance, to solve these problems put forward the corresponding policy recommendations.