Study On Batch Guarantee Mode For Small And Micro Enterprises

Micro and small enterprises(MSEs)are the foundation of the national economy and the mainstay of the market economy.However,they face many obstacles in their orderly and healthy development,with the most important being difficulty and high cost of financing.According to the China Association of Guarantee,in the first half of2021,policy guarantees accounted for over 70% of the total scale of financing guarantees for MSEs,and played a positive role in alleviating the financing difficulties of MSEs.Batch guarantee,as the newest type of policy guarantee mode,makes full use of the government’s credit endorsement to provide financing guarantees for MSEs,without impeding market-oriented direction.In the current market environment,batch guarantee has been proven to be an effective solution to the financing difficulties of MSEs.This article first introduces the definition,development motivation,comparative advantages,and current development status of batch guarantee mode.Then,it focuses on the "Guo Dan Quick Loan" batch guarantee project of Guangzhou Rongzi Re-guarantee Company,and elaborates on the operation mechanism of batch guarantee mode.Using the cost-benefit model,the maximum compensation limit and guarantee fee are calculated,and stress tests are conducted on the project under extreme conditions to evaluate the risk of the "Guo Dan Quick Loan" batch guarantee project from the perspectives of maximum compensation limit and guarantee fee.Secondly,using qualitative and quantitative methods,and indicators such as guarantee fee rate,comprehensive financing cost,coverage scope,and guarantee threshold,the implementation effect of the "Guo Dan Quick Loan" batch guarantee project is evaluated,and specific financing case analyses are used as supporting evidence.Finally,combining project risk testing and implementation effect,the problems of batch guarantee mode are analyzed,and targeted suggestions are provided.The research in this article reveals that: first,batch guarantee mode effectively reduces financing costs and guarantee thresholds,simplifies guarantee processes,and expands the coverage of protected enterprises,effectively alleviating the problem of financing difficulties and high costs for MSEs.Second,batch guarantee mode can effectively improve the availability of loans for MSEs,and the operating performance of protected enterprises is significantly improved.Third,during the development process,batch guarantee also faces problems such as insufficient development scale,complicated project review procedures,and loopholes in risk prevention mechanisms.