Study On The Model Of Credit Guarantee About Small And Medium Enterprises In China

In recent years, China’s small and medium-sized enterprises provide a largenumber of tax, offer a lot of job opportunities for the people for the country, made agreat contribution to our national economy. But, small and medium-sized enterprisesface a difficulty of financing when they were developing. The introduction ofguarantee agencies, to provide security for the loans of the enterprises, to some extentalleviated the situation of financing difficulties of small and medium-sized enterprises.But in our country, credit guarantee institutions play in the financing of SMEs in theprocess of the effect is not very significant.Aiming at the problem of SME credit guarantee mode in Tianjin Binhai NewArea of research, as a typical analysis, the author tries to put forward suitable for themodel of credit guarantee of small and medium-sized enterprises in china.Firstly, research on credit guarantee model of foreign, to American, Germanyand Japan as the representative, respectively on the corresponding guarantee mode ofoperation and characteristics. Put forward to the problems of China’s credit guaranteeenlightenment combined with various countries experience. Secondly, research thepresent situation of our country at the present stage of SME credit guarantee. Thecredit guarantee institutions in China and the guarantee mode analysis, the presentstage our country small and medium-sized enterprise credit guarantee on the problemsand the causes. Finally, in the Binhai New Area as a case study, is applied to themodel of credit guarantee of small and medium-sized enterprises in China. Describethe specific mode of the new security model, and the effect of the description. Andexisting problems in the case and the present situation of our country, put forwardrelevant suggestions to government. The results of this study contribute to thefinancing practice of small and medium-sized enterprises to provide a meaningfulbasis for decision making.