完善信用担保体系:解决中小企业融资难的路径

中小企业是我国国民经济发展的重要力量,但是目前中小企业发展的最大障碍是资金短缺问题.本文通过对中小企业融资困境分析表明,向金融机构贷款是解决中小企业融资困难的主要渠道,信用担保体系又是制约中小企业贷款的主要因素,目前我国现有中小企业信用担保体系远不能满足中小企业融资条件的要求.文章根据我国中小企业融资的实际情况,探讨了从政府机构、信用担保机构、中小企业自身、法律法规、贷款机构的角度建立和完善我国中小企业信用担保体系问题.

Improve Credit Guarantee System: Ease the Financing Difficulty of Small and Medium Enterprises of China

Small and medium enterprise are significantly important for national economic development, but they are facing the problem of capital shortage. Tne analysis on their difficulties in capital funding illustrates that the main solution is that these enterprises get loan from financial institutions. But the credit guarantee system restricts the loaning process. The credit guarantee system has not met the requirement of capital funding so far in China. Some suggestions were put forward to build up and improve the credit guarantee systems by combining the experiences of credit guarantee systems in some advanced countries with the facts of the Chinese government, intermediate agency, loan agency, law and regulations and the small and medium enterprises themselves in China.