Research On Business Model Of SME Credit Guarantee Institutions In Jiangsu Province

Small-medium enterprise(SEM), that is an important force to promote economic development and safeguarding socialty stability, becomes more and more important in the national economy. But financing difficulties has become a "bottleneck" that restrict the development of SME. To solve the problem of financing, there has been emerging SME credit guarantee institutions in china in recent years. SME credit guarantee institutions are gradually linking bridge the financial sector and SME and play a important role in financing for SME, dispersion of risk. However, due to lax supervision, security market is very confusing and many credit guarantee institutions engage in money lending and other illegal activities. In order to explore a effective way and a management measures to standardize the market behavior of credit guarantee institutions, this article study the business model of SEM credit guarantee institutions in Jiangsu Province to explore the way of scientific selection of high-quality and effective method of credit guarantee agencies through establish the evaluation system of credit guarantee institutions, and to provide the management basis of SME financing market in Jiangsu province or in our country.First of all, this article start from the development of credit guarantee agency and describes the background of system, business processes and the development of credit guarantee institutions in Jiangsu Province and divides the existing credit guarantee institutions into the policy-led categorie, business-led categorie and capital operation-led categorie according to characteristics and compare to all types of advantages and disadvantages of credit guarantee institutions. Secondly, this article base on bank working experience, all kinds of the system and fully learn the results of previous studies, builds up a fully and truly reflect the status of the credit guarantee institutions evaluation index system and creates a credit guarantee agency evaluation model by the level analysis and fuzzy comprehensive evaluation method. Finally, this article study three credit guarantee institutions that selected from the three different types of credit guarantee institutions by model that has been set up to find a best an most appropriate credit guarantee institution to the economic development in Jiangsu Province.