| Small and medium-sized enterprises stand a pivotal position and play an important rolein the development of states. But financing difficult has restricted the development of theenterprise. Many countries have taken various measures actively to support the developmentof small and medium-sized enterprises. Establishing the credit guarantee system is one of theeffective measures to ease the financing difficulties of small and medium-sized enterprises.Some countries support the development of guarantee agencies and constraint thebehavior of the guarantee agencies by seeking guarantee related legislations, which give clearstatus of guarantee agencies. A series of measures of establishing the credit guarantee systemsolve the financing problems effectively. In China, under the rapid development of thesocialist market economy, small and medium-sized enterprises plays an important role in theareas of economy, paying taxes, increasing employment and improving livelihood.Establishing a credit guarantee system in order to solve the problem of financing difficultiesof small and medium-sized enterprises, become one of the main task of the government at alllevels.Under the rapid development, some unhealthy phenomenon occur. Some guaranteeagencies tend to benefit or because of limited channel, making their deviation from theguarantee business, being keen to absorb social deposit,or lending in a prescribed rate.Especially since2011, due to the monetary tightening, small and medium-sized enterprisesfinancing difficult problem worsen, the phenomenon of violating compasses operation is moreserious.It makes small and medium-sized enterprises have to choose high rates ofnon-governmental organizations to obtain financial support, increasing the burden ofenterprises. The production sales appear problem can lead to enterprise itself and illegallending institutions capital chain rupture, vicious circle began to collapse, causing damages tothe reputation of entire guarantee industry. Some banks raised the threshold of the cooperatewith guarantee agencies.Security industry is facing a real challengen. How to fundamentallyend the mess？How to make the guarantee agencies to grow on a piece of healthyenvironment? Small and medium-sized enterprise credit assurance is an emerging industry in Shaanxiprovince and even the whole country. At present, they are regareded as the general agencywithout too much notice. Few experts and scholars concern the industry and few books arestating the development of the credit assurance companies. Comparing with the matureindustries, such as banking and securities, small and medium-sized enterprise credit guaranteeindustry has a short history. The theory foundation is weak, lacking of academic support. Theindustry develops fast in the exploration.This article studies the current situation of the credit guarantee system in Shaanxiprovince. Choose the development of Shaanxi province credit guarantee system as the subject,researching small and medium-sized enterprise guarantee system, with small andmedium-sized enterprises under the present situation. Choose guarantee agencies andreguarantee agencies as the research object, through deeper understanding of guaranteeagencies and data analysis, concluded three suggestions to the construction of small andmedium-sized enterprises credit guarantee system in Shaanxi: firstly, highlight the mainposition of policy guarantee agencies of the government investment holding position, ofcourse, that is the subject status of policy guarantee agencies doesn’t mean the numbers, butrefers to the influence of policy guarantee agencies to guarantee industry and guide. Secondly,the government can appropriately control the scale and the amount of the commercialguarantee agencies, specification the development of commercial guarantee agencies; Thirdly,encouraging the inter-help between the small and medium-sized enterprises, promotingmutual guarantee institutions, to make up for the omission of policy guarantee institutions andcommercial guarantee institutions. |
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