The Construction Research Of SME Credit Re-guarantee System In Hunan Province

:small and medium enterprises have become an important part of the national economy, they create jobs, promote economic growth, promote technological innovation, but there is still a problem of financing in SME.SME credit guarantee institutions appear to have made a significant contribution to alleviate the above problems. But most of guarantee agencies are still funds small scale and weak strength of guarantees, the operation is not standardized, high-risk, income does not match the risk characteristics combined with financing guarantees, guarantee institutions is difficult to be a going concern. Reguarantee increase trust for risk, to lead innovation, to regulate the development of the industry and other functions, and can effectively alleviate the security industry faces these challenges. therefore, to explore effective reguarantee business model is an urgent job for our province.Theoretical thinking, the paper credit guarantee and credit re-guarantee application PEST model, five forces model, SWOT analysis tools guarantee and re-guarantee industry development status and more comprehensive analysis of Hunan Province, the internal and external environment, and then found that the provincepriorities within implementation reguarantee mode, weaknesses, opportunities and threats. Then analyzed based on the internal and external environment, drawing on the experience of domestic and foreign re-guarantee system, adjustment and optimization of Hunan Province, and then guarantee that the current mode of operation, in order to effectively solve the existing problems of re-guarantee industry. The paper also optimize the program for the proposed re-guarantee business model to market, credit, operations, and legal aspects of risk there may be in the process of implementation of the program and proposed the corresponding solutions. Finally, the paper noted that the SME credit re-guarantee institutions belong to the quasi-public goods, has a strong policy of re-guarantee institutions should be fully reflected in the business model, risk control, capital compensation policy, security and non-profit purpose, given a further guarantee of protection measures.