The Study Of Financial Efficiency Of Jx Credit Guarantee Institutions Based On The Sustainable Development

As a new form of organization,the guarantee serves as a link between financial institutions and small and medium-sized enterprises that need financing,and become a link between the two in economic activities.For banks,the guarantee agency is equivalent to the bank to complete the investigation of the credit business loans for the bank to reduce the cost of this,and for the bank to assume the credit risk and improve the bank's business efficiency.For small and medium enterprises,many need for banks do not have the qualifications of loans and can not obtain loans from the banks of small and medium enterprises can be credit guarantee institutions to achieve the existence of credit enhancement to obtain loans to promote SME financing to facilitate the rational allocation of resources The The most basic function of SME credit guarantee institutions is to provide credit guarantee for small and medium-sized enterprises by means of collecting their own credit and collecting the balance between their risk and income.With the economic development and transformation,the guarantee industry came into being.Under the guidance of the national policy,the credit guarantee institutions in the short 20 years to gradually grow and become an indispensable form of China's economic system.Research object is guaranteed the guarantee is the first joint-stock guarantee company in Heilongjiang Province,is the leading small micro-enterprise financing guarantee institutions.In the vigorous development of SME credit guarantee institutions,the problem of financing is gradually improved,but at the same time there are some problems worth thinking about.SME credit guarantee institutions as a highly professional financing intermediary,itself bear the high risk of low-yield contradictions.How to strengthen internal management,effectively avoid risks,improve financial efficiency,and truly achieve sustainable development,is worthy of our in-depth study today.SME credit guarantee institutions for the development of small and medium enterprises escort,plays a very important role.In addition,driven by the development of market economy,SME credit guarantee institutions have to form their own industry competitive advantage,management advantages,and financial efficiency advantages,the market requires the guarantee industry to innovate and achieve sustainable development.Based on this research idea,I used a variety of research methods:first,theoretical research.The credit guarantee industry to analyze the relevant theory to explore its relationship with small and medium enterprises,commercial banks.Second,qualitative research.This paper analyzes the influencing factors that affect the sustainable development of credit guarantee institutions and the related factors that affect the financial efficiency of guarantee institutions.Third,quantitative research.This paper analyzes the financial efficiency status and sustainable development of the security guarantee institution in the past three years by using the quantitative analysis method,and further discusses the relationship between the sustainable development and the financial efficiency of the guarantee institution.Fourth,the system of research methods.The realization of sustainable development is a strategic process,not only to implement a comprehensive strategic management,to control the risk,but also continue to strengthen business innovation,explore its profit channel innovation and cooperation innovation.In view of this,the SME credit guarantee institutions from the financial efficiency of small and medium enterprises to explore the sustainable development of credit guarantee institutions.