SMEs Credit Guarantee System Research of China

摘要

Based on the theory of credit guarantee systems for SMEs as a starting point, combining with the reality of our nation's credit guarantee business atmosphere, analyses were carried out on what issues exist in our nation's credit guarantee systems for SMEs. The problems in our current system are four-fold: (a) SMEs credit guarantee agencies for small and middle-sized enterprises is not perfect; (b) SMEs credit awareness is generally weak; (c) Commercial Banks is not enthusiastic; (d) The management of government department is not regulate; (e) Social supporting service is lag. Through the above-sited process of raising issues, analyzing problems and subsequently recommending solutions. This thesis at the end offers viewpoints and proposes suggestions on potential policies and relevant supporting measures for improving our nation's credit guarantee system for small and medium-sized enterprises. Concrete details include the following: (1) sounding capital source channels for SMEs; (2) developing a good credit awareness; (3) handling the relationship between Credit Guarantee plan and Commercial Banks; (4) strengthening the government support; (5)perfecting other social service system combined with the Credit Guarantee Systems.