构建我国中小企业信用担保制度的基础性法律问题

Fundamental Legal Problems on System of SME Credit Guarantee

中小企业信用担保制度是解决中小企业融资问题的重要途径,除具备保证的一般特征外,还具有担保对象及担保类型的特定性、专业性、高风险性、政府推动性等特征,包含保证、协作、委托、风险分散四种基础性法律关系。建立和完善中小企业信用担保法律制度,应该从中小企业信用担保的法律属性出发,厘清相关法律关系,进行专门立法。

SME credit guarantee is the efficient way to solove the capital problems. Comparing with guarantee SME credit guarantee has such characteristics as nature of special object and type, nature of speciality, nature of high risk, and nature of government promotion, etc. There are a series of legal relations in SME credit guarantee including four kinds of fundamental ones： guarantee relation, cooperation relation, entrusting relation, and risk -shared relation.