浅析中小企业融资中的担保问题

On the Guarantee Problems in Small and Medium-sized Enterprise' Financing

作为国民经济的重要组成部分,中小企业在经济发展中发挥着越来越重要的作用,对国民经济和社会发展的贡献越来越大。但是由于中小企业自身存在的规模小、资金少等特点,导致其在融资过程中遇到一些问题。而融资担保是解决中小企业贷款难的重要环节,它可以有效地缓解银行信贷配给问题,为解决企业融资难提供了一条有效的途径。我国的信用担保体系已经发展一段时间,但是由于起步较晚,目前的信用担保体系还有待完善,所以探讨中小企业信用体系的建设和完善有着重要的现实意义。通过国内外担保政策对比,提出合理的解决方案。

As an important part of the national economy, small- and medium-sized enterprises financing guarantee problems play an important role in economic development, which contributes much to the national economic and social development. The financing guarantee is an important link to solve the small- and medium-sized enterprises＇ loans, which can effectively alleviate the problem of credit rationing, providing an effective way to solve the difficult problem of corporate finance. The credit guarantee system in our country has been developed for a long time. Because of a late start, there are still many problems. It is of great significance to study the construction and perfection of credit system for small and medium-sized enterprises. This paper will start from the small and medium-sized enterprise financing guarantee problems, and put forward reasonable solutions through comparing the domestic and foreign policy.