1.1 Background and Rationale of the Study
SMEs have a huge giving in China’s economic development, nevertheless, the financing quandary at present faced by SMEs makes up a big blockage for their development. Banks are unenthusiastic to finance to them, for the most part because of the dearth of security and their underprivileged means in pricing risk. This is the raison d’être why credit certification organizations play a foremost role in SME financing and the precision of the credit guarantee scheme is imperative for upholding their access to credit(Wang, 2004). Ever since reform and liberalisation of Chinese economy , the market-oriented reform of the financial system of the economy has slowly but surely brought about labor and capital markets, which have upheld a crude amalgamation of rich labor resources and more and more extended funds resources. The growth of SMEs, particularly the pointed go up in non-state owned and non-public-owned enterprises, has offered a huge freedom and enduring medium for this sort of recipe. Even though the general dimension of the state-owned economy is yet rising in relation to the quantity of enterprises and developmental likely, non-state-owned SMEs have developed into a foremost division of the economy in China and played a more and more vital role in the development of economy and society (Wang, 2004).
1.1背景和基本原理的研究
中小企业有一个巨大的在中国的经济发展，然而，目前中小企业面临的融资困境弥补自身发展的一大堵塞。银行融资他们的热情，对于大多数部分由于安全性的缺乏，贫困意味着价格风险。这是存在的êTRE为什么信用认证机构发挥最重要的作用，在中小企业融资的信用保证方案的精度是维护他们的信用势在必行（王，2004）。不断改革和中国经济自由化以来，对经济金融体系的市场化改革已经缓慢但必然带来的劳动力和资本市场，它维护了丰富的劳动力资源和资金资源更多的扩展粗融合。中小企业的发展，特别是指去民营与非民营企业，提供了一个巨大的自由，这种配方持久的介质。尽管国有经济的总体尺寸，还关系到企业的发展可能的数量上升，民营中小企业已经发展成为中国经济最重要的部门，在经济和社会的发展越来越重要的作用（王，2004）。
