日美中小企业信用担保体系比较分析

为解决抵押资产不足的中小企业间接融资困难,建立中小企业信用体系是世界各国的普遍做法。日本与美国是世界上建立中小企业信用担保比较早的两个国家,两国的中小企业信用担保体系完备、经验成熟。尽管两国中小企业信用担保体系的框架结构和运作模式差异很大,但是它们共性的成功经验是信用担保体系建设离不开政府的大力支持,并且需要具有良好的风险控制机制。

A Comparative Analysis of SME Credit Guarantee Systems in Japan and USA

The lack of collateral assets usually prevents small and medium-sized enterprises(SMEs) from obtaining indirect financing.This explains why SME credit guarantee systems are pervasively established in most countries.Japan and the United States are of the earliest countries practicing credit guarantee for SMEs,with their SME credit guarantee systems having been well developed.Considerable differences can be observed when scrutinizing the structural frameworks and the operational procedures in the two countries,however,the common feature turns out to be the indispensable support from the governments and the well-managed risk controlling mechanisms,which are determining factors to the success of SME credit guarantee system..