中小企业信用担保与信用环境建设的研究

The Research on Establishing SMEs' Credit Guarantee and Credit Environment

市场经济条件下中小企业信用担保机构的运作模式应采用政府组建，市场化运作或混合组建，市场化运作；其组织形式应是事业法人制；其运作规则应为公平、多元、规范、稳健。从担保基金的盈亏上看，决定担保规模的因素实质上是一个地区企业的总体信用状况，创造良好的信用环境将成为中小企业信用担保机构生存和发展的关键之所在。加强法制建设、社会征信机构建设和企业伦理建设是实现这一目标的基本途径。

This paper presents a probing on operation model, organization form and operation characteristics of SMEs' credit guarantee institutions in market economy. The organization system should take the form of a corporate body and the operation rules should be 'fairness, multiplicity, standardization and stability'. Through a financial analysis, this paper points out that in terms of profit and loss, the general credit condition of enterprises in an area has a decisive effect on the scale of the guarantee fund, and creating a fine environment is the key to the development of guarantee institutions of SMEs. Based on this, the authors put forward that the basic way to achieve this objective is to strengthen the construction of legal system, social credit institutions and corporate ethics