构建中小企业信用担保体系若干问题的思考

Some Thoughts on Issues in Constructing Small and Medium-sized Firms Credit Collateral System

中小企业由于与国有金融机构的“血缘关系”最远、外部融资途径缺乏、体制性信息不对称以及抵押市场不发达等诸多因素 ,融资十分困难 ,因此有必要构建适合我国国情的信用担保体系。可以采取的措施有 :充分发挥政府主导的作用 ;选择合适的信用担保体系模式 ;委托专业机构管理担保基金 ,规范担保基金的运用 ;逐步建立合理的再担保机制 ;与地方中小金融机构建立良好的互助共生关系等。

Small-& medium-sized firms are confronted with very difficult financing situations owing to the farthest 'blood relationship' with state-owned financial institutions, lack of outer means of financing, institutional information asymmetry, and underdeveloped collateral market. Therefore, it's compulsory to build credit collateral system in conformity of China's national situations. Measures that can be taken are as follows: putting the function of 'government-guidance' into full play; choosing suitable credit collateral system pattern; specialized institutions to run collateral funds and normalizing the usage of collateral funds; establishing a reasonable re-collateral mechanism; establishing a friendly, mutual-aid and co-existing relationship with local small and medium-sized financial institutions.