The Study Of Credit Guarantee System For Small And Medium Enterprise

In recent years, the Chinese small & medium enterprise (SME) has made rapid progresses and become the important force to promote the sustaining rapid and healthy development of the national economy. However ,during the process of the development of SME , the difficulty in pooling funds has become a knotty point which restrains the development of SME . The credit guarantee organization , as the bridge and ligament between the SME and the financial organizations , is an effective measure to upgrade the credit of the SME, and it will be bound to become the breaththrough to settle the difficulty of the Chinese SME'S financing.On the basis of the analysis of the current status of loans for the Chinese SME, this thesis explains the basic idea to solve the problem of Chinese SME'S financing by exploring deeply and reading a lot of concerned information and data . In the light of detailed study about the current status of Chinese SME'S credit guarantee system and by analysing the existing problems in the system and drawling on the experiences of developing SME'S credit guarantee system in other countries and districts , this thesis also presents the strategy for perfecting and developing Chinese SME'S credit guarantee system .The thesis is composed of six parts:The first part is introduction. This part comprises three sections, which are as follows: the purpose and significance of selecting the theme, the summary of previous studies, and the meansof study.The second part is the current condition of the Chinese SME's development and financing. In this section, the author defines the concept and the division standard of the SME, analyses the current status of loans of Chinese SME, reveal the causes for the difficulty in financing, thereby clarifies the significance and purpose of composing this thesis.The third part is the theoretic basis of the SME credit guarantee. In this part, the thesis analyses the issue of credit guarantee through such theories as the economics of information and constructs the theoretic basis for the significance of credit guarantee and the supplying modes of credit guarantee.The fourth part is the experiences of other countries and districts in organizing the credit guarantee systems of small and medium enterprise .While it introduces the SME's credit guarantee systems in the U.S.A , Japan and Taiwan ,this part elaborates the successful methods to perfect the SME's credit guarantee system and introduces some policy and business credit guarantee organization.The fifth part is the analysis for the current condition and the existing problems in Chinese SME credit guarantee . This part discusses the progress of development, components , the features of development and the existing defects in the SME's credit guarantee system in our country , and especially makes a comparatively thorough analysis of the SME's credit guarantee system in Inner Mongolia Autonomous Region.The sixth part is the study of the countermeasures for the normative development of the Chinese SME credit guarantee system . Based on the study of the several parts above , this part puts forward some policy suggestions to perfect the Chinese SME's credit guarantee system in the construction of the credit guarantee organization itself and the outer surroundings .