中小企业融资信用担保制度的法律思考

Small and Medium-sized Enterprise Financing Credit Guarantee System’s Legal Research

中小企业信用担保制度的价值在于补充和完善银行获得信息的完整性和准确性,鉴于中小企业发展具有正外部性,中小企业发展这个事实本身即为社会和政府的一种收益,所以信用担保作为政府扶持中小企业的一项重要公共产品,出资者大都为政府,政策性担保机构成为补充中小企业信用的有效途径。中小企业信用担保机构从法律性质上属于不以营利为目的的事业法人,它应当以扶持促进中小企业的发展、改善其融资环境为宗旨。从根本上来看,信用担保机构应当更多地承担政策性职能,而非商业性职能。

The value of the small and medium-sized enterprise credit guarantee system lies in supplements and consummates the bank information＇s integrity and accuracy,in view of the fact that the small and medlum-sized enterprise＇ s development has the exterior nature,this fact itself namely for social and govermmcnt＇ s one kind of profit, therefore, the credit guarantee as an important public product which the government used to support the small and medium-sized entcrprisc, the fuoder is mostly the government, the policy-type guarantee organization becomes an effective way to supplement the small and medium-sized cntcrprisc credit. From the legal nature, the small and medium-sized enterprise credit guarantee organization belongs to enterprise legal person, this corporation is not take make a profit as its goal. It must take support the small and medium-sized enterprise＇s developmeut,improve its financing environmcnt as its objective. Basically, the credit guarantee organization must undertake more policy function,not the commercial function.