欧盟中小企业互助担保的制度模式及启示

On the Institutional Mode and the Implication of Mutual Guarantee among SMEs in EU

由于在法律制度、市场运行机制和文化背景上具有相似性,欧盟各国的中小企业互助担保制度在发展中形成了共同的制度模式,通常是以互助担保协会为中心形成一个包括专业性协会、中小企业、银行、政府、高校等在内的运作系统。互助担保制度兼有内在制度和外在制度的特征,这一性质决定了其他国家在进行制度移植时要注意培育互助担保制度中无法移植的内部非正式规则,同时要不断完善发展互助担保制度的基础制度环境。文章提出,我国在进行互助担保制度移植时,除了要通过立法等方式确立互助担保制度与继续推进政治体制、经济体制改革,完善法律体系外,还应鼓励、帮助成立中小企业商业或专业性协会及中小企业互助合作社,培育中小企业的民主管理意识,增强其自我管理能力,.建立促进中小企业发展的社会化服务体系。

Because of the similarity in terms of law system, market operational mechanism and cultural background, the common institutional modes have been formed while developing mutual guaranty system among SMEs in EU. This is an operational system which includes a professional association, SMEs, banks, government and the high schools and takes the association as the center. While learning from the other countries, we have to pay attention to the inter-informal rules and the improvement of the fundamental institutional environment for the development of mutual guarantee system.