中小企业融资担保模式构想——以成都市为例

融资难已经成为制约中小企业发展的一大桎梏,成为中小企业发展的瓶颈。融资担保和小额贷款行业的发展,对中小企业融资难的问题起到了缓解作用,融资担保创新是解决中小企业贷款难问题的重要突破口。经过数年的探索发展、不断创新,成都融资担保在创新担保产品、运作模式、规范服务和融资担保机制等方面取得较大突破,形成了特有的"成都模式",先后被国务院中小企业领导小组办公室作为经验向全国推广。

Financing constraints has become a drawback of small and medium - sized development, and become the bottleneck of the development of small and medium - sized enterprises. The development of financing guarantee and small loans to small and mediumsized enterprises has soothing effects on the difficulties of small and mediumsized enterprises, and financing guarantee innovation is an important breakthrough to solve the problem of small and medium - sized enterprises. Over years of exploration and development, and constant innovation, Chengdu financing guarantee has made relatively obvious break- through at the aspects of innovating guarantee products, operation models, regulating service and financing guarantee mechanism, and formed particular Chengdu mode, which the state council small and mediumsized enterprise leading group office regarded as experience to extend to whole country.