Improvement Research Of DB Re-guarantee Enterprise’ Re-guarantee System

The financing difficulty has been restricting the development of SME in China, and the establishment of the SME credit guarantee system which can solve the financing difficulty has achieved good results. However, with the rapid development of credit guarantee industry, guarantee institutions are facing common problems, such as small scale, low credit magnification, less cooperative banks, and high risk etc. The effective way to solve these problems is to establish the re-guarantee system.DB Re-guarantee Enterprise established in Liaoning Province, which is a branch of the Northeast China Small and Medium-Sized Enterprises Credit Re-Guaranty Co., Ltd., is set up to enhance the guarantee institutions’ credit and financing guarantee ability, constantly improve the credit guarantee system of SME, and effectively alleviate the financing difficulty of SME. After nearly four years of construction, the re-guarantee system of DB Re-guarantee Enterprise has begun to take shape, but it still has some problems to settle, such as strict access conditions, low credit rating and credit lines, and unclear business orientation etc. In this dissertation, the author deeply analyze the existing problems of re-guarantee system, based on the research of the market demand on re-guarantee services in Liaoning Province combined with the practical experience of foreign and domestic representative provincial re-guarantee system, and then attempt to put forward suggestions for improvement. In this thesis, the adjustment of index system of access conditions and credit rating, the construction of regional re-guarantee platform, and the establishment of rewards, punishments and exit mechanism are proposed to improve the internal management of re-guarantee system; DB Re-guarantee Enterprise should provide re-guarantee services according to the need of guarantee institutions as the main business and moderately run the differentiated guarantee services, design standardized re-guarantee service products which can be batch processed, at the same time, strengthen the risk prevention and build the risk early-warning system; In the aspect of coordination mechanism between bank and guarantee institution, to urge banks to gradually implement the risk sharing commitment, and to set up platform for sharing re-guarantee information are advised.The improvement of DB Re-guarantee Enterprise’ re-guarantee system is significant to the healthy development of guarantee industry in Liaoning regional, and the related research improves, but not enough. Through this dissertation, the author hopes to put forward solutions and ideas to solving the problems of re-guarantee system, to forcing the Liaoning regional re-guarantee system into a standardized and effective operation mode, thus to improving the financing environment for SME in Liaoning Province.