| SME has an important role in promoting the development of national economies.The development of SMEs can promote China’s economic structural adjustment, increase employment opportunities, cultivate sources of tax revenue, increase exports, it can say, SME have become an important force driving China’s economic growth.The problem of financing is the biggest bottleneck in the development of SMEs.This paper attempts to introduce insurance mechanism to solve the bottleneck of SME financing, relying on the development of SME credit guarantee insurance mechanism can solve the financing bottleneck, and provides a new ways to solve the financing difficulties of SMEs.This paper first describes the research background and significance,analyzes the background of our credit guarantee insurance and pointed out that the value of the theoretical and practical significance.The second section describes the basic theory of the development of SME credit guarantee insurance, laid the theoretical foundation of the article.This paper discusses the importance and feasibility of the development of credit guarantee insurance to solve the problem of financing SMEs,analysis the operating mechanism of the Credit Guarantee Insurance.Finally, this article analysis the current situation and restriction of the development of China’s SME credit guarantee insurance, describes the development of domestic and international experience and enlightenment of credit guarantee insurance, proposes to speed up the development of SME credit guarantee insurance proposal. |
