Research On Mutual Guarantee Financing Model Of Small And Micro Enterprises According To The Postal Savings Bank In A District

Small and micro enterprises play an important role in expanding employment, improving people's livelihood, economic innovation and development of new power and maintain social stability. This new normal of the Chinese economy will continue to bring more challenges and opportunities for small and micro enterprises, but the problem of financing impede the long-term rapid development, is also the Chinese government efforts to solve. In the continuous analysis and practice of small and micro enterprises financing mode, the development of mutual guarantee mode get more and more attention, and has certain advantages in solving the information asymmetry problem of small and micro enterprises financing.Mutual guarantee financing model with the government to support small and micro enterprise policy gradually came to power, will present more ways, including the construction of the guarantee fund, compensation mechanisms and risk control.Through bank operating practice case analysis, this paper adopt the method of theory combined with empirical research, through the case study of A District, in A District of small micro enterprises to carry out on-site visits and questionnaire survey for more than 160 small micro enterprise, and aimed at to collected data related to major banks in this district makes a comparative study, focuses on the analysis of the mutual guarantee financing model of anti default risk ability and sustainable ability to guarantee, qualitative and quantitative combined to analyzes the function of mutual guarantee financing model for small and micro enterprise financing, and analyzes the main factors that affect the role of mutual guarantee model.In this paper, we improve the original mutual guarantee financing model, Summed up the mutual guarantee organizations, mutual guarantee internal organization, guarantee fund financing, development environment and risk control countermeasures and build a sustainable and replicable financing mode, trying to alleviate the small and micro enterprise financing difficulties. Through the practical experience at home and abroad, put forward government departments, financial institutions and guarantee organizations / associations to build long-term cooperation mechanism, building a relatively practical value of mutual guarantee financing mode, in order to more effectively solve the financing difficulties of small and micro enterprises. At the same time, it also aims to explore the development trend of small and micro enterprises financing model, in order to provide some reference for the small and micro enterprises in financial institutions.