从民营中小企业融资难的视角探讨贷款信用保险制度

A Discussion on Loan Credit Insurance System from the Perspective of SMEs' Difficulties in Private Financing

中小企业是我国极具活力的经济增长点,由于种种条件的限制,却难以得到银行贷款,贷款保险业务是解决这一困境的好方法,但贷款保险存在着成本高、风险大等问题,认为可以通过加强风险管理,健全企业财务制度,构建信用评价体系等方法规避贷款风险。

Small and medium enterprises （SMEs） in our country is a very dynamic economic growth point. Owing to various limitations, it＇ s hard for them to get bank loans. Loan insurance is a terrific way to solve their difficulty. High cost and high risk are problems with loan insurance. They can be solved by strengthening risk management, perfecting finance system, and building credit evaluation system and other methods.