Credit Guarantee Institutions Of Medium-sized And Small Enterprises In Anhui Province About The Study Of Credit Risk

The quick development of medium-sized and small enterprises in Anhui province has played an more and more important role in market activating, employment,support of economy increase and society stablizing, which becomes the most important pushing power in constructing a new and strong industrial province. Howerver, many of the medium-sized and small enterprises have sufferd from the limiation of bottle-neck in capital in their process of making contribution to the prosperity of Anhui province. As an under-developed province in economy, its imperfectly-developed and structrue-imbalanced finance market have caused great difficult for the medium-sized and small enterprises in building their financing platforms. And it is not so easy to buid a perfect finance market in just one or two days, therefore, some Credit Guarantee Institutions have emerged continuously to improve the difficult situation in financing from the year of 1998, which has effectively lowed down the lending threshold of finance institutions and undertaken the total or most of credit risks of banks. A preliminary Credit Guarantee system of Anhui province has already established through 10 years of development, however, Credit Guarantee Institutions have also faced very great credit risk in their financing because of the high rate of contract-breaks and bankrupts of the small enterprises. Therefore, it is not only a urgently to be solved issue for the Credit Guarantee Institutions that how to solve the management problem in credit risks, but also a great important one for Anhui province's economy developmemt and its medium-sized and small enterpricesThis paper is conducted under the background of systemization and standardization of Credit Guarantee Institutions for medium-sized and small enterprises in Anhui province.It is a very important project in the healthy development of Credit Guarantee indudtry that how to build a scientific,reasonable and standard Credit Guarantee market.Combining with the management problem in Credit Guarantee of medium-sized and small enterprises, the paper has practically taken the experience abroad for reference, and given an analysis on how to promote the management leve of Credit Guarantee of medium-sized and small enterprises.