The Research On Development Problems Of The Small And Medium-sized Enterprises Mutual Guarantee Company

The difficult financing, loans and guarantee hinder the development of Small and medium-sized enterprises (SMEs), under the background of the present Financing Crisis, this problem seems particularly outstanding, but the financing channels of the SMEs are narrow. SMEs Mutual guarantee company (MGC) as one part of the "One Body Two Wings" the most suitable for SMEs' financing needs.The research purpose concludes two aspects. Firstly, this paper wants to put forward a suitable model and development strategy for MGC; Secondly, on the theoretical side, because of the research deficiency of the current research about MGC, this paper analyzes the existing problems and countermeasures systematically, in order to provide reference for the following research.This paper adopts the research methodologies includes Normative Research and Case Analysis. This paper concludes 7 chapters.Chapter1, this part includes research backgrounds and literature summary, putting forwards the main problems that the paper discussed, defining the concepts the paper used. This chapter is the foundation of the paper.Chapter2 are some researches about the MGC. This part mainly discusses the current situation home and abroad, concrete form and the characteristics of the SMEs mutual guarantee companies in our country.Chapter3, the author analyzes the existing problems about the MGC systemly. The author found that the scale of the mutual guarantee funds is small; Existing problems of Information Asymmetry; Organization structure is imperfect,the business can't meet the demands of the SMEs; Lack of risk control and fund compensation system; Existing constraint in the external environments.Chapter4, this chapter put forwards that establishing the MGC in the industrial clusters. Firstly, the paper discuss the definition of the industrial clusters, then, mainly analysis the advantages that establishing the MGC in the industrial clusters. Chapter5, this chapter gives the developing strategy of the MGC. In order to make the MGC develop better, should Perfect the management model of the MGC; Establishing internal control system of the MGC; Designing the business meeting the SMEs; Establishing mechanisms of risk monitoring and processing.Chapter6, this chapter holds that: should constructing external supporting system, conclude government supporting system, associated bank supporting system and law credit supporting system.Chapter7, this part is the summary of the paper. This part gives the conclusion, innovative points and deficiency.