Research Into Problems And Countermeasures Of The Credit Surety Of The Small And Medium-sized Enterprises In Our Country

With the adjustment of the economic structure and the foundation of the market economy in our country, a great number of small medium-sized private enterprises and individual enterprises has been set up. They have become an important part of our national economy and played an important role in the economic growth and social employment. At present our small medium-sized enterprises have encountered a great difficulty in the course of the development. That is the difficulty of financing. The difficulty in financing is beset with the difficulty in credit surety. As a link between a bank and a small medium-sized enterprise, credit surety will become a key point in solving the financing of small medium-sized enterprises in our country.In the paper, the author has made a further study of the current situation of small medium-sized enterprises in our country and read a lot of related documents and data. The basic idea in solving the financing problems is set forth. The paper investigates the related theory of credit surety and the current situation of credit surety of small medium-sized enterprises in our country. It analyzes the main problems and causes in credit surety of small medium-sized enterprises in our country. By the comparison between the foreign credit surety system of small medium-sized enterprises and ours, the author puts forward the feasible countermeasures to establish and perfect our credit surety system of small medium-sized enterprises. The author also makes a practical study of our credit surety system. Above of all, the author hope that the paper can provide some references and suggestions for the financing problems and the improvement of credit surety system of small and medium-sized enterprises in our country.