Finally, security agencies and the relationship between SMEs, the credit guarantee and pay off the secured and the associated relationships. To handle the relationship between the two, first of all, the process of cooperation between the two should be kept in the utmost good faith, the enterprise should faithfully reflect the actual situation, strict compliance; Second, properly handle the issue the guarantee fee, guarantee fee income is the main security agencies sources to maintain the balance of payments, while small and medium enterprises are looking to lower financing costs, therefore, to reasonably determine the guaranteed rate to form a win-win situation.
(D)The development of special legal rules and norms of credit
Development of specialized credit as soon as the legal system of rules, to guide credit guarantee industry. The rapid development of credit guarantee, but due to lack of necessary legal protection and restraint, and our \the behavior of the NPC enacted the Basic Law guarantees adjustment, which implement the general Civil and Commercial Law the principle of equal protection of the civil subject, and transaction security and interests of creditors, credit guarantee and credit guarantee for the industry not covered by law. In view of this, the credit as soon as possible to develop specific legislation to regulate and guide the credit guarantee industry.
Part II To create a favorable financing environment of SMEs
(A) To develop support policies targeted
The reason why small and medium enterprises in China is still in the early stages of development, management system and management were very irregular, a very important reason is that our Government has not paid attention to the development of SMEs, the relevant preferential policies tilted only to large enterprises. Therefore, the state should be in accordance with the rules of market economy, the introduction of more support for SMEs on the development of policies to guide SMEs to participate in fair competition, promote small and medium enterprises to standardize direction. Meanwhile, the state's fiscal policy should be to improve the small and medium enterprises, governments at all levels should be increased investment in small and medium enterprises, to solve the debt problems of some of the history of small and medium enterprises; clean up the different nature of the existing preferential tax policies for enterprises of different ownership enterprises must equal treatment; levels of
administration should not be arbitrary charges and fines for small and medium enterprises to effectively reduce the burden on SMEs.
(B)Establish and improve the financial system
Co-ordinate the overall national small and medium enterprises should set up government agencies, the State Economic and Trade Commission recently established by the Secretary should support small and medium enterprises, to know and regulate the development of SMEs play a central leadership role. Same time the country as soon as possible a clear focus on providing financial services to small and medium financial institutions system. The first state-owned commercial banks to set up a dedicated SME credit department, expand deposit and loan services for small and medium enterprises; the second is a reasonable adjustment of city commercial banks, urban credit cooperatives and rural credit flow of credit designed to highlight the focus of support for local SMEs, small and medium financial institutions to give full play the main role in support of SMEs; third is properly established for the individual and private economy, SMEs and small financial institutions. (C)Capital Market
Direct financing of enterprises has to be non-reimbursable financing of external ownership, improve corporate asset and liability structure, the effective allocation of social resources and other advantages, this is to solve the financing difficulties of SMEs, financing channels for a single approach to this important issue. The government should encourage SMEs to engage in direct financing put the appropriate policies and measures, the establishment of foreign products targeted at small-scale, high technology and market potential of high-tech SMEs in the capital market financing services, to encourage qualified enterprises to enter the securities market financing, both to help SMEs to solve this problem, reduce financing costs, but also to spread the concentration of investment risk, and change society for the production of personal consumption fund development and construction funds, but also conducive to improving China's capital market has become increasingly strong.
(D) The establishment of SME credit guarantee system
Financing difficulties of small and medium business to a large extent is due to greater credit risk, banks are reluctant to provide loans to them. If the Government can guarantee loans to SMEs or insurance, this difficulty will be able to get a better link. Therefore, the Government
must set up appropriate security and insurance institutions, financial intermediation for SMEs and provide a strong backing.
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