The Research On Credit Guarantee System For Small And Medium Enterprises In China

It's a common characteristic for small and medium enterprises around the world to be"in high position but with low potency". As the basic histiocyte of market economy, the importance of small and medium enterprises in national economy and social development has been proved by the practices of economic developments in many countries. On the other hand, the dilemmas and risks that small and medium enterprises face in survival and development have also been paid due regard to by many nations. It has been a basic method for the nations to support small and medium enterprises, to build the credit guarantee system for small and medium enterprises so as to shorten the gap of loans for such enterprises.Fist of all, the thesis discusses some supporting theories on credit guarantee. Based on the analysis of the state of financing with small and medium enterprises in China, it puts it forward as the way out of solving the problem of small and medium enterprises'loan dilemma, to set up a national credit guarantee system of small and medium enterprises. Then it commonly introduces the present state of credit guarantee system of small and medium enterprises in China by induction. And it analyzes various factors which block the system's advance especially, including the problems of internal operating mechanism and external growing condition. And then it researches and summarizes the credit guarantee system of small and medium enterprises in representative countries or areas, such as Japan, America, Taiwan and so on by antithesis deep. Finally on the basis of using international successful experiences for reference and combining the situation of our country, it puts forward some countermeasures and suggestions on how to perfect the internal operating mechanism and optimize the external growing condition, aiming at the problems of credit guarantee system of small and medium enterprises at practice in our country.The thesis is planned to carry out some useful discussions on the theory'supporting and system's building of credit guarantee of small and medium enterprises, and is expected to provide some valuable references for lightening the loan dilemma of small and medium enterprises and other problems in our country.