A Study On The Feasibility Of Solving The Financing Difficulties Of Small And Small Enterprises In Guizhou Province By Credit Guarantee Insurance

There are many SME in guizhou province,SME has play an important role inpromoting the economy of guizhou providing employment, promoting thegovernment fiscal taxation, promoting the adjustment of economic structure.However,The provincial financial is strain, and without enough great foreigninvestment, shortage of funds and financing difficulties has become the bottleneckof SME’s development in guizhou. Insurance can help spreading risk and solv-ing theSME’s financing bottleneck, as credit guarantee insurance, can open a new way tosolve the SME’s financing difficulties rely on the credit guarantee insurancemechanism.Firstly, introduces the present situation of SME in guizhou,founding that mostSME face the financing difficulties, hard to get money from bank has become themain reason and then analyze the feasibility of a credit guarantee insurance bycombinating the game theory and economics. And to analyze the possibility ofdevelopment of credit guarantee insurance services from the viewpoint of Insurancecompanies、SME、Banks in guizhou. Finally introduce the Present situation of thecredit guarantee insurance in guizhou. At last put forward suggestions about how tosolve the SME’s financing difficulties by pushing credit guarantee insurance.The first chapter of this article elaborated the research background andsignificance, and proposed the meaning of solving the problem of SME’s financing bycredit guarantee insurance.The second chapter expounds the insurance service theory, game theory,insurance service value theory,lay a theoretical foundation for the following analysis.The third chapter First analyzes the reasons of SME’s financing difficulties inguizhou province, and then introduce the importance of credit guarantee insurance,finally discuss the credit guarantee insurance solve the effectiveness of SME’sfinancing difficulties by the perspective of game theory.The fourth chapters Introduce the current situation of credit guarantee insurancedevelopment in guizhou, the reason of restricting and development opportunities.The fifth chapter introduces foreign advanced operation mechanism of creditguarantee insurance then put forward the experience for reference to help solving theSME’s financing problem in guizhou province.The sixth chapter, in view of the front restraints on the development of credit guarantee guarantee in guizhou province, combined with domestic and foreign creditguarantee experience, then put forward suggestion for guizhou province to solveSME’s financing credit guarantee insurance.The biggest innovation of this article is the title.The credit guarantee insurance inour country is a new danger to plant, And through Operating the credit guaranteeinsurance to solve the financing difficulties of SME is innovative.