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Study on Environment Construction of SME Credit and Guarantee in China

Author: DuanWenBo
Tutor: YinMengBo
School: Southwestern University of Finance and Economics
Course: Finance
Keywords: financing for SMEs credit guarantee institutional construction
CLC: F832.3
Type: Master's thesis
Year: 2009
Downloads: 135
Quote: 1
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Abstract


The SMEs in china have been developing very rapidly since the policy of Reform and opening-up. Moreover, they are playing an vital role in advancing technological development, increasing employment, enlarging exportation. It has been an important part in socialist market economy. Until now, the number of SMEs in china has been up to more than 42million, accounting 99.8% of the whole number nationally. They have supported about 75% urban job opportunities, attracted about 80% of new employees, with 60% of industry total outcome and 45% of tax. However, as the limitation of the unique mechanism, system, policy, and inner disadvantage of SMEs, the SMEs in china has to face hard problems on their own, among which, the most important ones are difficulty in obtaining loans and high cost in funding. These problems restrict the development of SMEs. In order to settle down the problems, the credit guarantee system is created, considering the experience of developed contries.The credit-based system in SMEs refers to a professional institution that supports credit for SMEs in order to realize some certain governmental function. This institution use a form of wholly-owned or Joint venture organized by government, corporation, social committee, natural person or financial organization. It is founded by the principle of being supported by government and operated on pace of market.Since the implement of credit guarantee in SMES in 1998, such institutions for that have been developing rapidly. Until the end of 2007, the number of such institutions have been up to 3729, workers 37454, the total account of loan guarantee 1350 billion. However, there are many problems that should be put attention on, such as unclear market position, limited capital and inefficient usage, shortage of risk management system, immature credit—estimation system and lose of related regulations. These problems directly lead to serious of issues in 2007, such as out of control of risk, over control from government, out of normal operation of some institutions that lead to a bad trend in the whole market including security market.How to ensure the system of credit guarantee in SMEs to develop healthy and orderly? How to make it serve to SMEs in real sense and lighten the trouble of financing difficulties? By the study on these questions, the author points out that as long as the legislative can build appropriate and mature law, and implement that strictly, together with the service supported, related regulators founded and social value estimation guided by government, the credit guarantee in SMEs would be developed into self-perfect. Therefore, the author finally concentrates on the environment construction of credit guarantee, that is the study on macro-system design, while gives up that on inner micro-estimation system of SMEs.This paper can be divided into 5 parts, excluding introduction:First, it describes the current position of SMEs in china and their trouble in financing and at the same time demonstrates the aim and value of the construction of institution;Second, introduces the development and mode of operation of credit guarantee in SMEs, and the economical theoretical basis according to the thesis of information economics;Third, starting from the problems of the system and study on them, analyses the institutional reason using the thesis of Finance and Game Theory, especially the paradox between public production nature of policy guarantee and self-financing market;Forth, states the institutional adjustment suggestions being good to the development of credit guarantee in SMEs of china, which is wholly consistent with the topic.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks
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