| Small and Micro Businesses with the problem of insufficient internal funding,opaque information, chaotic management structure and so on, the financing problem has not been resolved. Loan guarantee insurance as a powerful tool to solve the difficult problem of small micro-enterprise loans can bring great convenience to it’s financing.Therefore, developing and perfecting the system of the loan guarantee insurance is very important.This article begins with the processes and the operating mechanism and the constraints of small micro-enterprise loan guarantee insurance. After analyzing the loan guarantee system of the United States, Japan, Germany, and Taiwan, this paper summarized the available experience for reference. Based on the content of the above,this paper made a suggestion of development and improvement of the loan guarantee insurance.Through analysis, this paper found that:(1) After analyzing the loan guarantee system of the developing countries, the legal system, government’s support, effective risk-spreading system as well as the ability to control the risk of the insurance company are the main factor of insurance development.(2) Continue to improving the legal system and the risk-sharing mechanisms are effective methods of the development of the loan guarantee insurance. |
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