Research On Loan Guarantee Of Science And Technology SMEs In Guangdong

SMEs occupy a pivotal position in China’s national economy,but the difficulty of financing SMEs is a long-term problem and has become a hot spot of concern to all sectors of society.The characteristics of "three high and one long" of technology-based SMEs make them quite representative of the financing difficulties of SMEs.From the perspective of guarantee methods,this paper takes the guaranteed loan of RL,a typical technology-based SME,as an example to seek ways to alleviate the financing difficulties of SMEs.Firstly,this paper introduces the research background and significance of the topic and reviews the research status of domestic academic circles,including the existing development and financing status of SMEs in China,as well as advanced foreign experience.Using literature research,comparative analysis,case analysis,through the research on the guarantee types of RL Enterprise in Bank-B loan,analyzing the existing problems and reasons among,the aim is to improve the financing ability of technology-based SMEs,and a better financing environment.Specifically,we study several loan guarantee methods of SMEs through the application of guaranteed loans such as guarantee,pledge of certificates of deposit,pledge of accounts receivable,and government-led fund pool guarantee.We find that the guaranteed loan model of RL enterprise has brought the increasing trend of software development investment,total assets,and debt burden to RL enterprise.Finally,based on the problem that RL enterprise lacks scientific management of equipment and intangible assets,the credit management system and guarantee management system are not sound,and the guarantee combination mode needs to be optimized,this paper proposes that enterprises enhance the value of their equipment and intangible assets by increasing investment and strengthening management.Optimize guarantee combination and improve guarantee capability;Some Suggestions,such as strengthening guarantee management and establishing and perfecting guarantee management system,as to provide a reference for SMEs to alleviate financing difficulties.