江浙地区中小企业信用担保体系建设的经验与借鉴

Experience of Establishment of Credit Guarantee System for SMEs in Jiangsu and Zhejiang Provinces

随着我国国民经济的增长,中小企业在扩大就业量、推动各类要素市场的发育和完善方面所起的作用日益突显,已成为国民经济增长的重要推动力。然而由于信息不对称导致的逆向选择与道德风险,使中小企业融资极其困难。解决中小企业融资难问题有多种模式,其中保证或抵押贷款模式较受关注,而这种模式对于中小企业来说比较关键的是建立中小企业信用担保体系。在我国经济较发达的江浙地区,担保体系的建设取得了比较好的效果,尤其是信用担保机构的引入,为解决中小企业融资难问题贡献了不少力量。本文着重剖析江浙地区中小企业信用担保机构的建设经验,以期对我国其他地区中小企业信用担保体系的发展和完善有所启示。

With the economic growth in China,the SMEs are playing the important role in expanding the employment,cultivating and perfecting the market. However,it is difficult for the SMEs to pursue the fund because of the unfair information. In order to resolve these problems, many measures should be taken,especially the construction of the establishment of credit guarantee system for SMEs. In Jiangsu and Zhejiang provinces, the establishment of the credit guarantee system has achieved good results, espe- cially the establishment of the credit guarantee institution. This paper mainly focuses on analyzing the experiences acquired by the Jiangsu and Zhejiang provinces and puts forward some suggestions on the future establishment of the other regions＇ SMEs＇ credit guarantee system in China.