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A Study on Challenges Facing China’s Credit Guarantee

Author: ZengKe
Tutor: ZhangZuo
School: Southwest University of Political Science
Course: Legal
Keywords: Orienwise Credit guarantee institutions Guarantees multiplier Credit Risk Supporting measures
CLC: D923
Type: Master's thesis
Year: 2011
Downloads: 182
Quote: 0
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Abstract


SMEs play an important role in the economic development of a country. Its development, not only help increase revenue, maintain the balance of various economic sectors; conducive to ease the employment pressure, maintaining social stability; also conducive to the promotion of technological innovation and to accelerate the pace of innovation-oriented country. After the reform and opening up SMEs presented booming trend, however, the the SME financing situation is not optimistic. Because of the the SME small scale, weak in strength, the system is not standardized, leading financial institutions are reluctant to loans; subject to the restrictions of the relevant laws and regulations, The SMEs also difficult to direct financing through the issuance of securities, such as stocks, which makes financing difficult to him has been constrained SME development bottleneck. Credit guarantee institutions function, is to improve SME credit, enhance SME financing capacity. Therefore, to promote the development of China's credit guarantee industry, has important strategic significance for the development of small and medium enterprises. The purpose of this writing is the method of comparative analysis and empirical analysis to analyze the legal issues of China's credit guarantee industry, and learn from the experience of developed countries, the credit guarantee system, and draw specific measures to promote the development of China's credit guarantee industry to solve the problem of the financing of SMEs. In this paper, first of all start from the case, and Shenzhen Orienwise problems in its development, perspective throughout our guarantee industry exists. Secondly, through the analysis of the legal issues in China guarantee industry, there, that the main problems of the guarantee industry in China has four aspects: First, the system is not perfect, both the laws and regulations does not build the whole, also including the internal regulations of the guarantee institutions missing; our guarantees multiplier is not high, the credit guarantee institutions can not be profitable, but also unable to give full play to the role of economic levers; bear from within itself, small and medium-sized enterprises and the financial institutions to pass on the risk of credit guarantee institutions, but no risk diversification mechanism; Fourth, our credit evaluation system, the credit system and credit guarantee associations did not play its proper function. Again, of Japan, the United States, European countries credit guarantee system, obtained some of the credit guarantee system common in developed countries, which mainly include: perfect laws and regulations; reasonable guarantees multiplier; sound risk diversification mechanism; standard operating procedures. Experience through the analysis of the legal issues of the credit guarantee industry in China, as well as developed countries, credit guarantee system, the authors put forward a number of specific measures to promote the development of China's credit guarantee industry. These measures are: improvement of legislation, strengthen supervision, the incentive credit guarantee institutions and improve its own internal rules and regulations; through to expand guarantees multiplier and innovative way of security to improve the profitability of the credit guarantee institutions play the leverage of credit guarantee; perfect again security system and anti-security measures, and share credit risk with banks to reduce the risk of credit guarantee institutions; to promote credit assessment system, the development of the credit system for SMEs, to improve the functionality of the Credit Guarantee Association, the credit guarantee industry development to create a favorable external environment.

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CLC: > Political, legal > Legal > Chinese law > China and France
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