A Case Study Of Sci-tech SMEs Of Loan Risk Compensation

With the development of the times, SMEs continue to grow and develop, and hasgradually become a new force to promote the economic development of china.Science and technology is the first productivity, SMEs not only have made theimportant contribution for our country’s economic growth, but also create a lot of jobs.Although sci-tech SMEs is an integral part of China’s market economy, but because ofthe characteristic of light asset, heavy development, the amount of financing receiveddo not match with their contribution values, that seriously restricts the long-termdevelopment of SMEs. Since entering the new century, restricted by resourceconstraints, environmental capacity, the available labor factors in China, thedevelopment mode relying mainly on the material consumption, factor inputs and lowcost advantage has been difficult to continue, China must take innovation to seek anew growth engine, greatly improve the sci-tech SMEs technological progresscontribution rate to economic growth, innovate the driven power to solve theconstraint of development, and achieve sustainable development, so the developmentof sci-tech SMEs has become the priority among priorities. In order to solve thefinancing problem of sci-tech SMEs, the Chinese government put forward a series ofpolicies and measures. At all levels of government guidance and support, the Bank ofJiangsu Wuxi branch gradually attention to SME credit market, and in2010established the science and technology branch, developed many innovative productstechnology and finance, the quantity and quality of the risk compensation for suchloans are ranked in the same industry leading position.This paper analysis of the bank of Jiangsu Wuxi branch loan risk compensationbased on the new model, studied on loan risk compensation type of the governmentand banks. First, the background of bank of Jiangsu Wuxi branch of the developmentof risk compensation loan pattern, kinds of products, development situation areintroduced. Second, compared with the12representative areas of risk compensationloan mode analysis the advantages and disadvantages of the bank of Jiangsu Wuxibranch risk compensation for such loans. Third, makes a SWOT analysis on the bankof Jiangsu Wuxi branch of the development of risk compensation loan model; finally,based on the analysis of the problems, throw out some suggestions. The conclusionsand suggestions of the whole thesis contribute the bank of Jiangsu Wuxi branch to improve the risk compensation loan risk compensation, other bank to develop suchloans, the government to balance risk compensation for such loans, which havecertain realistic meaning and reference function.