The Comparative Study On Small And Medium-Sized Enterprises Credit Re-Guarantee Mechanism Construction

Sme credit re-guarantee mechanism is an important part of small and medium-sized enterprises credit guarantee system.That main role is to provide guarantee agencies to guarantee,help the credit risk, pattern innovation, indirect expanding financing channels of small and medium-sized enterprises.From the policy support, financial support, industry, business innovation, mutual credit aspects,this paper expounds the support measures combining with relevant academic theory in the field of credit guarantee of small and medium-sized enterprises at home and abroad, analyses the working status and guarantee system of hunan province small and medium-sized enterprise credit guarantee mechanism construction basic situation again.In certain depth of the small and medium-sized enterprise credit guarantee business again effective development, service enterprises, such as expanding service scope result at the same time, also concludes the policy system is imperfect, unclear legal status, organization is not high, the innovation ability relative lag, esteemed such outstanding problems as insufficient effective guarantee demand.Again in five provinces and cities in this paper, as well as the small and medium-sized enterprise credit guarantee system construction experience and the board is studied, summarized the government leading to guarantee, adhere to the non-profit orientation, set up credit rating mechanisms, rich again guarantee service carrier, optimization and guarantee successful experiences such as operating environment, sums up the credit, the effect is not significant, no guarantee the main outstanding problems such as small, service coverage, in order to further improve the sme credit re-guarantee mechanism of hunan province provide positive and negative experience of the reference.The last, and improve the regulatory system, to strengthen the construction of guarantee agencies subject again, credit, risk function strengthen security, give full play to the small and medium-sized enterprises credit guarantee mechanism for small and medium-sized enterprises again positive role to the construction of guarantee system, guard against and dissolve the systemic risk guarantee industry.