The Research Of The Legal Problem Of The Small And Medium Size Enterprises Mutual Credit Guartee

Credit guarantee is mainly to solve the financing problem of Small and medium size enterprises. At present,Mutual credit guarantee is an important part of the credit guarantee system in our country, and plays an important role in solving the financing problem of small and medium-sized enterprise. Through the study of mutual credit guarantee agencies, it doesn’t clear that which industry does the mutual credit guarantee agencies belong to.this problem affects the establishment of the supervision system. The current law to does not adapt to the set up the standard of mutual credit guarantee institutions. The current administrative supervision mode can not effectively monitor the guarantee agencies, the internal governance of the Guarantee agencies is not unreasonable, and the re guarantee system is not perfect.because the scale of credit guarantee agencies is small,they are at a disadvantage in the negotiation with the bank.except this,anti-risk ability of the Guarantee agency is poor. So we need to make it clear that which industry does it belong to.actually.it should belong to the financial industry.it is important to establish the suitable condition for the establishment of the mutual guarantee institutions.change the current administrative supervision mode into the mode of special industry regulation.at the same time,the industry association and the need to play an important role in supervising.strengthen the internal governance of the credit guarantee agency and.improve the re guarantee system to enhance the strength of the credit guarantee agency.so that,the guarantee agency can equally negotiate with The bank and to improve the ability of resisting risks.