The Study Of Establishing And Improving The SME Credit Guarantee System

The article first introduced in the introduction part of the background research SME credit guarantee institutions, and as a basis for the corresponding problem, combined with the local characteristics of Putian City, expounded the significance of research credit guarantees to develop a framework for writing and ideas. Discussion at home and abroad on the basis of study of SME credit guarantee summarize guarantee system deficiencies and defects of the need to establish and improve the SME credit guarantee institutions in Putian City. SMEs’financing difficulties in Putian City Status and Cause of analysis from the internal system of control. Pointed out that the development status of Putian City SME credit guarantee system, guarantees the development process, and analysis of Putian City, SME credit guarantee system in the presence of such Guarantee Agency smaller contribution dispersed, incomplete risk-sharing mechanisms, excessive government intervention, lack continued capital injection mechanism, SME credit guarantee system defects, and the sustainable development of weak. The fifth part of the article is mainly to explore the causes of the SME credit guarantee system development obstacles, further pointed out that the the Putian City SME credit guarantee institutions guarantee business exists varieties, security personnel, guarantee funds, risk control and other issues, as well as the deeper reason. By introducing the main practices and successful experiences in China over the sound SME credit guarantee system, and then proposed countermeasures system for the establishment of a sound credit guarantee system for SMEs.The article can be divided into six parts, the first chapter focuses on the the topics research background, significance, research status at home and abroad, as well as writing the framework of ideas. Chapter Ⅱ analysis around Putian City necessity and financing difficulties of SMEs reason to establish a sound SME credit guarantee institutions. The third chapter reviews the Putian City SME credit guarantee process and guarantee the status quo. Fourth chapter expounds the main problems with the causes of Putian City, SME credit guarantee system. The fifth chapter describes the main practices and successful experiences around sound credit guarantee system for SMEs. The sixth chapter is on the basis of the Chapter, proposed the establishment of a sound suggestions of SME credit guarantee system from a system perspective.