Study On Risk Dispersion And Prevention Mechanism Of Credit Guarantee Of Small And Medium Enterprises In China

Both developed and developing countries, SMEs are the economic development and an important pillar of social stability. As the market economy in our country’s gradual deepening of the number of SMEs increased year by year, their position in the economic field are also becoming increasingly important. To promote SME development has become China’s economic development, market prosperity and employment, an important basis for the expansion. In our credit markets, credit guarantee institutions to join really to some extent alleviated the problem of difficulties in financing small and medium enterprises, the establishment of a sound SME credit guarantee system for small and medium enterprises to achieve sustainable development, the urgent requirement and a realistic choice.SME credit guarantee risk control and prevention problem is that the field of SME credit guarantees research, one of important issues that need urgent solution; it has a direct bearing on China’s SME credit guarantee industry in sustainable development. Therefore, how to effectively control the risk of credit guarantees to enable small and medium enterprises of China’s sustained and healthy development of credit guarantee institutions, for solving the difficult problem of SME financing is crucial topics of this article an official based on this.For China’s SME credit guarantee risk research is the formation of SME credit guarantee risk control and prevention research. Explore the risk of SME credit guarantee mechanism will not only help to build the credit guarantee institutions outside of science to prevent and control mechanisms, but also help to build an effective internal mechanism for identifying and dispersing to better control risk.This article is intended to address the main problems of SME credit guarantee institutions and the sharing of risk prevention mechanism, On the one hand, from the external analysis of the security sector financial institutions and guarantee agencies risk-sharing theory, establish a risk of external-sharing mechanisms; On the other hand, in-house analysis of the security risk early warning systems and risk evaluation index system and establish a decentralized system of internal risk. From the perspective of financial innovation in the security sector and external collaborative risk management system, combined with a well-known domestic security agency, to guarantee investment in the theory of an empirical analysis. This study is always the risk along the main line of credit guarantee for SMEs launched and in-depth.