浅谈我国中小企业信用担保体系的问题及对策

Problem and Countermeasuve of Credit Guarantee for Snall or Medium euterprises

以信用担保为中介的中小企业信用担保机构主要发展和成熟于欧美、日本等国家。20世纪90年代以来,我国各地迅速涌现各有特色的中小企业信用担保机构,创造了一定效益,但由于多种原因,也制约着其本身的进一步发展。究其原因,主要是我国信用担保体系建设尚不完善,还存在着这样那样的问题。本文从我国中小企业信用担保体系发展的现状入手,全面分析在建设信用担保体系中出现的各种问题,具体地指出完善我国中小企业信用担保体系建设措施,以此促进我国中小企业信用担保体系的不断完善与健康发展。

The credit guarantee structures, which provide credit guarantee for small or medium enterprises, appeared and fully developed mainly in Europe, America and Japan. But in the 1990s in China, various credit guarantee structures jumped and made a lot of profit. However, their further development is limited by different facts. The key fact is that our credit guarantee system is under construction with many problems. Form the present facts of the system' s development, this article fully analyses the problems with the credit guarantee system' s construction .It also points out the effective measures to strengthen and consummate our national credit guarantee system for small and medium enterprises.