Research on SME Loan Requirement and Willingness for Credit Guarantee——Based upon Analysis on Market Equilibrium
An analysis is made on the adaptation process of SME loan requirement and credit guarantee willingness by using the basic principles of economics,studying how credit guarantee products achieve the market equilibrium from dimensions of risk and price.It is found that the adaptation of SME loan requirement and credit guarantee willingness is either the lowest or the highest,and that the final adapting area with credit guarantee product market equilibrium is under the constraint of credit risks.It's likely for the credit guarantee institutions to have their credit guarantee willingness at higher matching area if the bank's risk tolerance is to be improved,incentive measures to be taken for credit guarantee institutions in terms of guarantee willingness.