Research On The Countermeasures Of The Problems Of Credit Guarantee Industry In Gansu Province

The financing of SMEs is a worldwide problem. Domestic andinternational practice has proved that the development of credit guaranteeis an effective way to solve the problem of financing SMEs. In China,due to the limitations of the objective environment, the development ofthe SME credit guarantee industry is not perfect, how to solve theproblem of the industry memory in the promote healthy and rapiddevelopment of our guarantee career to become an important subject ofour study.The paper selects the credit guarantee industry in Gansu Province asthe research object, firstly，on the basis of research and analysis ofrelevant information, data, summed up the development status andexisting problems of the credit guarantee industry in Gansu Province；Secondly，selecting the credit guarantee industry in American, Japan andZhejiang Province of China as a reference object, compare creditguarantee industry in the development of these countries and regions，then summarizing the advanced experience; Finally, on the basis of theadvanced experience of other regions, combined with the actual situationin Gansu Province, puts forward some countermeasures and suggestions.Through analysis and research, found that although the creditguarantee of Gansu province has made great progress, but there are stillsome problems, such as the cooperation of bank and insurance is not enough, weak profitability guarantee institutions, corporate governancestructure needs to be improved, marketing and product innovation abilityis limited, the lack of professional talent; proposals to strengthen thecooperation between bank and insurance, strengthening the governmentto guarantee mechanism of financial support, enhance the guaranteeorganization risk control ability, and to broaden the scope of creditguarantee business, further optimize the external environment, strengthenand improve the construction of auxiliary system etc.