Study On The Promotion Of Core Competence Of Small-medium Credit Guarantee Enterprise

The small-medium credit guarantee enterprise is a financial institution specialized in providing credit guarantee for short-term working capital loans of small and medium enterprises, it is a bridge between banks and SMEs. Study on the current guarantee situation of Hefei city, Lower registered capital and weaker risk management capacity is a common problem of the small-medium credit guarantee enterprise. Whether the credit guarantee enterprise could achieve sustained development momentum depends on its own business development and risk control capacity rather than the supports from government or policies. The built and promotion of core competence is the most important question that many small-medium credit guarantee enterprise need to solve. This article adopt related financial theory, through investigating financial problem of SMEs, against the problem of the guarantee industry, analyzing the promotion of core competence of the small-medium credit guarantee enterprise in Hefei city, find some optimization program of guarantee companies, make the guarantee enterprise play a greater role in financial field.Concerning our country, in order to promote the building of the medium and small-sized enterprise service system, improve enterprises'living and developing environment, solve the difficulty of the middle and small business financing, our country has established the collateral system initially, but because of the deviation in understanding, the insufficient experience in the collateral institution's building and operating and some other factors, our collateral industry is confronted with many problems. This essay analyzes our collateral industry's present situation and problems deeply, then proposes imagination about the collateral industry's development.Regarding credit guarantee, a lot of literature discussed it from a macro angle, such as how to ward from the guarantee risk and how to establish an effective guarantee system in certain area. Until now, only a little literature discussed it from the micro angle, such as how to run a credit guarantee company, or how to control the risk in a specific credit guarantee company. Form February to June, the author has practiced in Hefei Chuangxin credit guarantee Co.,Ltd. The author investigated the practice of chuangxin company and pointed that the method to develop the whole guarantee industry is to promote the core competence of guarantee companies. The core competence of the guarantee companies is built on three aspects:core technical capacity,core management capacity and core market capacity.