中小企业融资与信用担保制度

The Financing of Small and Medium-sized Enterprises and the System of Credit Insurance

资金不足目前已成为我国中小企业发展中最为突出的问题,融资困难成为制约中小企业发展的"瓶颈",而担保困难又是"瓶颈"中的"瓶颈",使得银行及其它金融机构为规避自身风险不愿对中小企业融资,从而造成中小企业的发展得不到足够的资金支持。我国目前的信用担保业尚未形成体系,其机构设置、运行机制、业务范围、风险控制、配套机制等方面均存在缺陷。借鉴国外的成功经验,构建一个具有中国特色的信用担保体系迫在眉睫。

The shortage of finance has become a protruding problem for China's small and medium-sized enterprises, and financing a 'bottle-neck' restricting their development. And the difficulty in credit insurance is a 'bottle-neck' of this 'bottle-neck', which makes banks reluctant to raise finance for these enterprises for fear of taking risks. As a result, the enterprises can not obtain what they need to develop themselves. At present, the system of credit insurance has not come into full shape. There remain many limitations in its framework, operative mechanism, business scope, risk control and accessory mechanism. It is of urgent importance for China to borrow the successful experience from its foreign counterparts and to build a system of credit insurance with Chinese characteristics.