Research Report On Risk Compensation Of Scientific And Technological Credit In Guangzhou

Since the science and technology small and medium-sized enterprises are facing the problem of financing,financing,loans to small and medium-sized enterprises has characteristics of "short and small,frequent and urgent,credit constraints has become the innovative economic development of the" stumbling block".In order to solve the financial difficulties of enterprises,while strengthening the elements of science and technology and financial innovation,promote the development of high-tech industries and the transformation and upgrading of industrial structure,Guangzhou Municipal Bureau Committee promulgated the "credit risk compensation fund pool of Guangzhou SME management approach" in 2015.The writing of this paper revolves around the credit risk compensation management method of scientific and technological credit.This paper first summarizes and summarizes the relevant literature,which lays a theoretical foundation for the later writing.Then it summarizes the development history and current situation of science and technology credit in our country.And then introduced the development of science and technology credit in Guangzhou.The focus of this paper is the third chapter and the fourth chapter of the writing,the third chapter introduces the development mode of Guangzhou city science and technology credit risk compensation,covering all relevant technical process of credit risk compensation,and the innovations and shortcomings were summarized and analyzed.The fourth chapter is on the situation of Guangzhou science and technology credit risk compensation is introduced,including the overall effectiveness of the science and technology credit risk compensation,cooperative bank analysis,risk analysis and compensation in the enterprise qualification,the enterprise into the pool area of four parts.It comprehensively introduces the results and results of risk compensation operation,and makes further analysis on it.The final point of the article falls on the policy recommendations.In view of the results of the previous writing,we put forward eight suggestions for improvement,hoping to further promote the development of Guangzhou science and technology credit risk compensation.