论广东民营企业信用担保体系建设

On Construction of Credit Guarantee System for Guangdong Small and Medium-sized Private Enterprises Financing

目前,中小民营企业在国民经济中发挥着重要作用,然而融资难已经成为制约其生存和发展的主要障碍。解决这一问题的关键是构建完善的信用担保体系。广东中小企业信用担保体系在外部环境、担保体系建设、担保机构发展等方面均存在诸多问题,因此需要政府、担保机构、担保协会及中小企业各方协调配合,采取健全法规、强化风险分散机制等措施完善广东中小企业信用担保体系,以更好地为中小企业融资提供服务。

At present, the small and medium-sized private enterprises are playing a very important role in the national economy. Whereas, the difficulties in financing are still the main obstacle in their development. The key point in settling the problem is to construct complete credit guarantee system. There are many problems in the construction of small and medium-sized enterprises credit guarantee system in Guangdong province. So it is imperative for the cooperation among the government, guarantee institutions, guarantee society and the enterprises themselves. And some measures such as improving laws and regulations, strengthening the risk division system should be implemented so as to supply better service for the small and medium-sized enterprises' financing by the more complete guarantee system.