Research Of Chinese Credit Re-guarantee

With the rapid development of China’s market-economy, the majorities of small and micro-business have been on the stage of history gradually, and occupy an important position of the development of the national economy. At present, China’s small and micro-business has become half of the sky to promote China’s economic development, they have made a great contribution to employment, taxation, technology innovation. Small and micro-business’s development, however, is always not easy, especially in the field of credit, which has been unable to obtain a just position, this situation has been plagued by the development of small and micro enterprises in China for a long time.The reasons of small and micro-business in such phenomenon are its own characteristics, and the reasons of banks, other credit institutions, however one of the important reason is that China’s credit guarantee and re-guarantee system has not founded. In order to be able to lead China’s small and micro-business to get out of this predicament, to improve the ability of credit guarantee institutions in the support of small and micro-business of the granting in various preferential policies and to enlarge the supply of credit at the same time, our government start to build our credit reinsurance system to support from the macro from the market’s point of view for China’s small and micro-business.The building of our credit re-guarantee system is shorter, both in mainland and abroad, credit re-guarantee agencies theory main stay in the study exploratory stage has not yet formed a complete systematic conclusions. Currently, the study mostly focused on the terms of our credit re-guarantee system’s construction model and risk management.This article Start from the situation of our country small and micro business, analyzed the current credit situation of China’s small and micro businesses facing, then based on investigation and related data of the present situation of China’s credit guarantee and re-guarantee system’s development, from the small and micro businesses, credit guarantee institutions, credit institutions and the national aspects analysis the influence of the establishment of China’s credit re-guarantee system for our country small and micro business credit.By deeply analysis of China’s small and micro businesses credit markets and credit re-guarantee institutions, with economics, finance, as well as the basic principles of Mathematics, with the principle of maximizing in the benefits, the article constructed a simply mathematical model to analysis of the relationship between China’s small and micro businesses credit and credit re-guarantee system.Finally, combining with the application of computer simulation modeling, the article has done an empirical analysis on the model and according to the conclusion, the article gave some recommendations about the construction of China’s credit re-guarantee system based on the existing problems of our country’s credit re-guarantee.