An Analysis Of The Development Strategy For SME's Credit Guarantee Agencie In China, Taking An Example Of Those Agencies In Yangtze River Delta Region

Because small and medium-sized enterprise(SME)have become the indispensable part of our country's economic system, Improving the level of development is of great significance for the economic health and the welfare of the people. But while SME development rapidly, the business finance of SME demand question is day by day prominent, because it is not high to the SME credit policy as well as the approval degree, business finance becomes the key hindrance strength difficultly which Our country SME grows strong, restricting the SME's development continuously. In the late 20th century, at our country began to try to establish a credit guarantee system for SMEs, the development of a number of credit guarantee institutions, but there are low magnification, lack of financial compensation, imperfect risk-sharing and control many of the problems. In order to solve this difficult problem, urgently we needs to carry on the theory and practice exploration to Our country development strategy for to SME's credit guarantee agency, to impel SME further further development in China.At first, this paper analyzes China's SME credit guarantee system for the status quo and existing problems, sort of SME credit guarantee policy, the theoretical research results; then to guarantee chain of Shaoxing in 2008 as a case, analysis of the current crisis in the financial market mechanism for the development of SMEs constraints and SME credit guarantee agency for SMEs development; By security agencies,11 cities, in Zhejiang Province, magnification and profit data for comparison, using partial least-squares regression model to prove that the security agencies magnification and profit relationships, increase the magnification of the significance of the development of SMEs. Regional credit guarantee agency of Jiangsu and Anhui's capital structure, the development of China's credit guarantee agencies, credit guarantee, Shanghai has done a pilot development.According to the credit guarantee agencies's development and practice t in China,point out the necessity and direction. Finally describes the development of the foreign state of credit guarantee agencies,Analysing the external and internal environment,sustainable and healthy development or credit guarantee agency,reach out the experience reference.In this paper, through analysising and researching the Shaoxing, Zhejiang, Jiangsu and Anhui, Shanghai and other Yangtze River Delta region's case or data, combined with the development of foreign credit guarantee agency proposed the establishment of a sound banking system bear cooperation, financial compensation and risk diversification mechanism, a sound external monitoring system to attract private capital, training professionals, increase the development magnification of SMEs guarantee agencies such as countermeasures and suggestions in China.