Research On The Behavior Of Government In JiangXi Mid-small Size Companies’ Credit Asshring System

Small and medium-sized enterprise is an important part of market economy, which plays a positive role to increase revenue, optimize the structure of the national economy, the allocation of resources, improve the efficiency of the market, increase employment opportunities and improve the people’s living standards. However, the global financial crisis broke out at the end of2008let us know the fragiles and the difficult of the small and medium-sized enterprises. The financing problems become more and more difficult. Of course, the growth of small and medium enterprises, is inseparable from its own perfect management system, the adjustment of production structure, more importantly, the ways and means of getting the loan for enterprises is too limited, and this situation makes the enterprise cannot develop further. At present, the rapid development and expand of the credit guarantee industry bring the gospel to the small and medium-sized enterprises. The involvement of guarantee industry can transfer the risk of banks effectively. At the same time, it can broaden the varieties of loan business, reduce the asymmetry of market information, help more and more small and medium-sized enterprises move faster in the development tide, and finally promote the development of economy and the most optimum distribution of resources.First of all, this paper starts from the natural attribute of the security industry as the public goods, expounds the theory of credit guarantee and the government behavior, and point out that the role of government can not be replaced in the SME credit guarantee system. The government, as a "steer" role, plays an important part in the optimal allocation of resources, policy, and regulation of the market. Meanwhile, the government should find reasonable methods to involve into the financing ways of small and medium-sized enterprise. Such as the establishment of SME bank, the establishment of policy of Guarantee Corporation, integration and fostering small and medium-sized financial institutions and so on.Secondly, this dissertation, combining the practical guarantee industry in Jiangxi province, made a deep research on the typical representative of Jiangxi guarantee industry—JiangXi provincial Credit Guarantee Co., Ltd. The content of this investigation involved the scope of business, development of situation and the features security. Many research methods were used, such as the method of linking theory with practice, comparation with induction. A lot of first hand information were got. On the basis of the ratification of achievement of JiangXi provincial Credit Guarantee Co., Ltd.,the author analysed the problems from different aspects including internal factors of functional departments, factors of policy, factors of external environment, factors from guarantee system and SMEs own.Finally, creative ideas and suggestions are raised. The author considers that the government should ameliorate its own functions of management, strengthen policy support, improve the risk control and innovation in financial products, in order to ease the financing difficulties of small and medium-sized enterprises and promote the development of economics.