Heilongjiang Province Sme Credit Guarantee System For Study

The financing difficulty of Small and Medium-sized Enterprises (SMEs) is one of the problems that urgently need to be solved for economic development of China. Establishing the SMEs credit guarantee system is general procedure of the market economy countries in the world to support SMEs development. China is developing country that occupying the economic system reforming time, and the social credit foundation serves poor, therefore it is need to establish the SMEs credit guarantee system that conforms to our national condition. The Heilongjiang Province SMEs credit guarantee system has formed initially, but such as credit system, risk guard also need further study. This article first introduced Chinese SMEs development situation and the financing difficulty, then comparative analyzed US and Japanese SMEs credit guarantee system, and elaborated our country credit guarantee system development situation and the main questions existed, then carried on the analysis to the Heilongjiang Province SMEs credit guarantee system development situation and existed questions, following with consummated suggestion, finally based on the analysis of credit guarantee system risk which from the aspects of interior and external, correspondingly proposed interior and exterior risk guard mechanism. The purpose of this article is to propose some beneficial suggestions for our country and the Heilongjiang Province SMEs credit guarantee system construction and the consummation, make every effort to help Heilongjiang Province and even Our country SMEs solve financing difficulty slightly.