Study Of Sme Credit Guarantee Institutions And Commercial Banks To The Status Quo

With the development of economy and the advancement of society, the government pays more and more attentions to the medium and small enterprises. The medium and small enterprises exert most significant functions on facilitating technological innovation, increasing employment, expanding export, offering service and so on. Because our country is in a special stage to establish and perfect socialist market economy system, the function of medium and small enterprises is more important.However, medium and small enterprises are faced with many restrained factors in the development course such as technology lag, financing difficulties, information obstruction, lacking person with ability and so on. Among them financing difficulties is most outstanding. At present, the main financing way of medium and small enterprises is bank financing. Due to the quality issues of medium and small enterprises, it is difficult for them to get bank loans. Under this situation, they lost many chances to develop. In order to advance the development of medium and small enterprises, the government has set up credit guaranty system to upgrade the credit of medium and small enterprises and to help them get bank loans. There are a lot of questions about the credit guaranty system to solve in theories and practices because it is in an initial stage. Many research institutions and scholars are studying from different aspects and have obtained positive results to advance effectively the development of credit guaranty system. But the aspect of the co-operation of credit guaranty institution and associated bank is hardly studied. However, the co-operation of credit guaranty institution and associated bank is most important to perfect credit guaranty system. At present, the co-operation of them in our country is not very good. In view of this, this paper tries to study deeply the co-operation current situation of credit guaranty...