Exploration And Research Re-guarantee Model Of Gansu Small And Medium-sized Enterprise Credit Re-guarantee Co., Ltd.

The State Economic and Trade Commission issued the "Guidance on thepilot establishment of small and medium-sized enterprise (SME) credit guarantee system"(No.540document of State Economic and Trade Commission) in June1999, which put forward the pilot of SMEs’credit guarantee system definitely for the first time. The SMEs’credit guarantee organization serve for the SMEthat developed rapidly and played important roles in relieving the financing andguarantee difficulty of SME, and help SME to get through the crisis and grow healthily and steadily."Re-guarantee "is an important part of "one body, two wings and four layers" structure in small and medium enterprise credit guarantee, which play an important role with the rapid development of guarantee agencies. The thesis is based on comprehension of re-guarantee theory, and applies public goods theory, re-guarantee theory and credit promotion theory. Refer to international re-guarantee experience and combine current situation and environment of Gansu small and medium-sized enterprise credit re-guarantee companylimited, and final put forward re-guarantee business model. The model includes the choice of re-guarantee object, the scope and method of re-guarantee, the operation flow of re-guarantee and premiums. Some specific items have been presented for potential difficulties and considerations during promotional process of the re-guarantee model. The further study of the exploration and research re-guarantee model can well help expand business size and developing space, platform function of Gansu small and medium-sized enterprise credit re-guarantee companylimited.