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The Research of Regulation and Development for SME Credit Guarantee in Fujian

Author: XuMin
Tutor: ZhangWenQi；ZhuChaoZhi
School: Fujian Agriculture and Forestry University
Course: Rural Regional Development
Keywords: Fujian SMEs credit guarantee regulation and development
CLC: F832.4
Type: Master's thesis
Year: 2009
Downloads: 115
Quote: 2
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Abstract


SMEs(small and medium enterprises) is an important force for national economic development, which has played an important role in the increase of financial revenue, expanding employment, improving people’s lives. Since the practice of reform and opening up policy, the development of small and medium enterprises in Fujian traversed an extraordinary path, its contribution to economic development has become increasingly prominent. According to statistics, the total number of SME in Fujian is about 0.26 million, accounting for various types of enterprises across the province for more than 99.5%; SMEs employed 75% of employed persons up to society as a whole, pay the tax accounted for 55% of the province’s total tax revenue,80%new product developments are done by SMEs. The total number of the province’s small and medium industrial enterprises above designated size are 17212 and they achieve value 1.268823 trillion yuan, accounting for more than the size of the province’s gross industrial output value of 83.8%.SMEs have become an important pillar of economic development in Fujian. However, due to its own limitations, difficulties in financing has been plagued the development of SMEs and has become an important constraints on their development.A large number of domestic and international long-term practical experience shows that the establishment of professional third-party credit guarantee institutions and their system of loan guarantees for small and medium enterprises is an effective way for the solution of financing difficulties of SMEs. Fujian SME credit guarantee industry, starting earlier and developing rapidly, has gradually worked out a unique development model. Strengthening the study of SME credit guarantee industry development in Fujian and summing up successful experiences and failures has great significance for the further promotion of its normative development. Based on the profoundly describing for the need of normative development for credit guarantees for SMEs in Fujian, this paper then analyze the status, problems and causes for the development of SME credit guarantee in Fujian. Through the comparison and reference of the development of United States, Japan and South Korea SME credit guarantee industry, this paper proposes specific ideas and policy for the development of SME credit guarantee Fujian. Through research, this paper conclude that to the development of Fujian’s SMEs credit guarantee, it should establish a diversified, multi-level system of SME credit guarantee institutions, establish a complete and efficient risk control and decentralized mechanisms to guarantees for SMEs, build institutional funding channels and supplementary sources to the guarantees, build an equal relation between SME credit guarantee institutions and banks, Constantly optimize the environment for the development of SMEs credit guarantee.To achieve the above development ideas, it need to further strengthen the Government’s organization and leadership, establish and improve the entry and exit system for guarantee agencies, speed up construction of laws and regulations, strengthen self-discipline, establish a multi-information sharing platform, encourage in-depth cooperation between SME credit guarantee institutions and banks, intensify nurturing of talents, strengthen the construction of social credit system, support SMEs development and so on.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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