Research On Cooperation Risk Between SME Credit Guarantee Institutions And Commercial Banks

Enterprises are the main participants in the economic activities.In the real economic life,quantity of national or transnational companies is limit.The majority is small and medium-sized enterprise.Small and medium-sized enterprises play important roles in the development of economy.In the development,small and medium-sized enterprises are faced with many difficulties,including funds,personnel,resources,market,etc.Countries around the world are attaching great importance to the support for small and medium-sized enterprises,especially in recent years.The solution to the problem of financing difficulties of small and medium-sized enterprises is becoming urgent.Similarly,the problem of small and medium-sized enterprise financing is one of the main tasks of the central and local governments at all levels in our country.Small and medium-sized enterprise financing is one of the ways of credit guarantee institutions and bank cooperation mode.Based on the financing model,and combined with the development of small and medium-sized enterprises in the domestic,this paper will discuss the comprehensive discussion,which is divided into seven parts to present the results of the study.The first part is introduction.Introduction part introduces research background and research significance of this written.Organize related literature at home and abroad,the aim of this paper,ideas,and related research methods and innovation.The second part is to explain the pattern related basic theory and related concepts,including the theoretical basis of the concept of credit guarantee,bank cooperation and collections.The third part is about summary the status quo of the current collections.To explore the problems in the collections,I will analyze the origin of the problem.The fourth part is about the application of related patterns abroad.This part will analyze Japanese and American South Korea collection models,summarize the experience and lessons.The fifth part is about the collections of the mode of China's national conditions,build.The sixth part is about the domestic collections case analysis.In this part,JX credit agency,for example,will be analyzed as a model of the domestic popular cooperation pattern.The seventh part is about the conclusion and prospect.At present,domestic security industry is in the phase of the reorganization of the specification.In this background,this paper discusses the new situation of the relationship between the credit guarantee companies and commercial Banks.To broaden the financing channels of small and medium-sized enterprises has important practical significance.In addition,I will analyze the obstacles in the process of collections,from the perspective of the causes and give constructive suggestions to optimize the cooperation relations.