Study On Legal Issues Of Credit Guarantee Institution Of Small And Medium-sized Enterprises In Zhangye

Small and medium-sized enterprises have always been the main supporting power of economic development of zhangye.since the 13 th Five-year plan was implemented,zhangye first declared national first batch of small and micro enterprise innovation base cities,under the call of the mass entrepreneurship and innovation.In recent years,zhangye once again has ushered in a new peak of the development of small and medium-sized enterprises and all kinds of market main parts have been booming.However,compared with the large number of small and medium-sized enterprises,the financing problems of small and medium-sized enterprises have become increasingly serious.Due to the weak strength of small and medium-sized enterprises,low credit rating and lack of pledge,it is hard to get financing through bank loans.So financial stress has become the biggest difficulty for small and medium-sized enterprises to produce and operate.Small and medium-sized enterprises credit guarantee system of zhangye can alleviate the financing difficulties and guarantee difficulties effectively.But,because the risks in this industry are very high and business practices are not standardized.In addition,supervision mechanism is not sound.Small and medium-sized enterprises lack risk-sharing and compensation and the compensation rate is high.Some guarantee companies have been unable to carry out business and shut down.This article is based on the bottleneck of the development of guarantee companies and gives some suggestions on how to perfect the legal system construction of guarantee agencies to help the steady and healthy development of guarantee agencies and build the financing for the small and medium-sized enterprises of zhangye.Besides the introduction part,there are four parts in this article.The first part discusses the concept of the credit guarantee agency of small and medium-sized enterprises,investigates and analyzes the necessity and current situation of the development of the credit guarantee agency of small and medium-sized enterprises in zhangye,and summarizes the main problems in the operation process of the credit guarantee agency of small and medium-sized enterprises in zhangye.The second part studies the legal relationship of credit guarantee for small and medium-sized enterprises,summarizes the adjustment and regulation of guarantee institutions under the Guarantee Law,the Law on the Promotion of Small and Medium Enterprises and theCompany Law and combines the performance of the guarantee institutions in zhangye with the specific issues.This paper analyzes the deficiencies and deficiencies in the legal system that caused the operation of the Guaranty institution.The third part compares and analyzes the standard of China's guarantee system and the typical experience at home and abroad.The fourth part is based on the development of the credit guarantee institutions of small and medium-sized enterprises in zhangye and the needs of institutional improvement,and puts forward some practical suggestions about how to promote the healthy development of the credit guarantee institutions of small and medium-sized enterprises in zhangye from the National to the local level.