Feasibility Analysis of Developing Mutual-aid Delcredere Agencies in Shenyang City and Its Basic Framework

ZHONG Tian-li,JIANG Yong-min(School of Business Administration,Northeastern University,Shenyang 110004,China)  

It is found there is a structural flaw in the development of mutual-aid delcredere agencies for SMEs(small/medium enterprises) in Shenyang city,though so many low-level SMEs need urgently such agencies to solve the problems of raising funds by applying loans.The mutual-aid delcredere agencies have their own natural superiorities in SEMs which are growing rapidly with several industrial clusters already formed in the city.In particular the historically cultural tradition of the people in the Northeast China,where Shenyang is the biggest and central city,tend to make their friendships/affections unequal with emotionally loyal in interpersonal relationship,thus enabling the mutual-aid delcredere agencies to be developed feasibly.According to the current situation of delcredere agencies in Shenyang,it is suggested that the municipal government should be involved in increasing and extending the mutual-aid delcredere agencies so as to meet the credit-worthy SMEs' demands for raising funds or asking for loans.

【Fund】： 2007年沈阳市科技计划资助项目(1063272-5-00)
【CateGory Index】： F275.1

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