The Research Of China's SME Credit Guarantee System Of Compensation

Non-public economy is an important part of China's socialist market economy,small and medium-sized enterprises as an indispensable member of the national economy,its status is very important.The credit guarantee compensation system is an important part of maintaining the credit guarantee system.Credit guarantee compensation system refers to the small and medium enterprises to banks and other financial institutions to apply for loans,by the guarantee institutions to provide credit guarantee,when there is no way to pay the debt of small and medium enterprises,the guarantee by the guarantee agency to assume responsibility for the guarantee institutions Guarantee liability and suffered losses,the state allocation of special funds to compensate the loss of security agencies.The guarantee institution will pay the sum of the funds in the fund pool of the guarantee institution,thus affecting the provision of the subsequent credit guarantee and the subsequent financing of the SME.If there is no credit guarantee system,the operation of the credit guarantee system will be blocked due to the breakage of the capital chain.Compensation for the loss of the guarantee institutions,and continuously supplement the funds pool of the guarantee institutions to ensure the follow-up of small and medium-sized enterprises to finance.China's credit guarantee system,the credit guarantee system for the pilot,but the pilot process,due to some backward understanding,too much emphasis on risk,and did not correctly understand the risk,resulting in some unnecessary restrictions and control of risk The method is improper.China's credit guarantee system itself is not established for a long time,and a large program draws on foreign experience,but the credit guarantee system is confined to the control of risk,the lack of legislation based on the credit guarantee system for credit guarantee system,It is necessary to take into account the legislative purpose of credit guarantee,and think about the construction of credit guarantee system from the perspective of jurisprudence.This paper takes the credit guarantee compensation system as the research object,first clarifies the concept of the credit guarantee system and the formulation and evolution of the credit guarantee compensation system,and then analyzes the credit guarantee system in the normative documents formulated by the pilot provinces and cities in our country at this stage Constitute the analysis of the existing credit guarantee system to identify the loopholes,and finally put forward the views of these defects.