关于我国中小企业信用再担保的法律思考

SME Credit Re-guarantee in China:A Legal Approach

由于中小企业信用再担保承担了十分重要的社会功能,因此法律上应予以高度重视。中小企业信用再担保的实质是保险,而非担保;再担保机构应由政府财政出资,并采用国有独资公司的法律形态;应尽快构建包括省级和国家级双层结构的再担保体系;再担保公司的业务既包括日常担保业务再担保也包括担保机构破产再担保;担保公司与再担保公司的责任划分应以担保公司为主;再担保应为强制性再担保。

SME credit re-guarantee serves an important social function and great attention should be paid to it from a legal perspective. It is held that the essence of SME credit re-guarantee is insurance instead of guarantee, re-guarantee agencies should be funded by government and established in the form of sole proprietorship, re-guarantee system should be set up at provincial and national levels, its business covers not only the general re-guarantee but also that of guarantee agencies＇ bankruptcy, guarantee company should play a leading role in duties between guarantee and re-guarantee companies, and re-guarantee should be mandatory.