建立信用担保体系 改善中小企业融资环境

中小企业是国民经济的重要组成部分。在市场经济中,中小企业一般通过两种方式获取资金:内源融资和外源融资。中小企业由于规模小,组织机构灵活,内部沟通顺畅,它对融资环境一般有以下要求:融资市场化、融资多元化、融资组合化、融资社会化。建立中小企业信用担保体系是世界各国扶持中小企业发展的通行作法,是各国政府综合运用时常经济手段和宏观经济调控措施的成功典范,是变行政干预为政策引导的有效方式,是重塑银企关系、强化信用理念、化解金融风险和改善中小企业融资环境等的重要手段。构建我国现代信用担保体系的途径:建立企业信用管理制度,加强中小企业信息开放;建立有效的信用担保基金风险分散机制,实现信用担保基金来源的稳定性与多元化;加强保险业与信用担保的协作;建立再担保体系。

Building the System of Credit Guarantee, Perfecting the Financing Circumstances of Medium and Small -sized Enterprise

Medium and small- sized enterprise is an important component parts of the national economy. In the market economy, they generally obtain funds by two ways: internal source financing and external source financing. As the sizes of the medium and small enterprises are rather smaller and the organized structures are relatively flexible and so the internal linking us is going on smoothly . Generally speaking, the demands on the financing circumstances are as the follows: to make finance marketable, to make finance diversified, to make finance combined and to finance socialized. Establishing the medium and small- sized enterprises credit guarantee system which is a commonly used method of helping the medium and small- sized enterprises so as to develop their business in many countries in the world. It is a successful model of a comprehensive utilization of economic measures and macroeconomical investigation and control and is an effective way of changing the administrative intervene into leading in policy, it is an important measure of rebuilding the relationship of banks to enterprises, strengthening the credit concept, resolving the financial risks, improving the situation of financing circumstances. The channel of structuring the modern credit guarantee system in our country is establishing credit administration system, strengthening the opening of information of the medium and small- sized enterprises,establishing an effective credit guarantee fund risk dispersion mechanism and realizing the stability and diversification of guarantee fund resource.