Research on Problems of Small and Micro Enterprise's (SME) Insurance Appointment Keeping

摘要

Small and Micro Enterprise (SME) is the main channel providing jobs, is a good platform for growth of entrepreneurial, and is an important force of technology and innovation. However, as the business management level of these enterprise is relatively low, mortgageable assets are relatively short of amount, making SME's financing channel narrow, which seriously restricts the development of the those enterprises. Through the way to solve financing problems of those small and micro enterprise, this paper is trying to analyze and put forward an innovative way to pursue business possibility and feasibility for SME. The method is to perform guarantee insurance for SME. Through using Japanese related experience like "Tyrone model", putting forward relevant policy suggestions to the government, commercial banks and insurance agency.