我国中小企业信用担保体系存在的问题与对策

Problems Existing and Countermeasures in Credit Guarantee System for the China′s Small-Medium Sized Enterprises

融资难一直是制约中小企业发展的瓶颈。解决的关键是建立中小企业信用担保体系。我国目前中小企业信用担保体系处在初级阶段,功能十分有限。在进一步规范、做强、做大信用担保机构的基础上,尽快建立体系完善、功能强大的中小企业信用担保体系,提供更多的融资支持,提升中小企业竞争力和发展活力,带动国民经济发展,已成为当务之急。

Difficulty in circulating funds has always been a bottleneck in restricting the development of small- and medium-sized enterprises.We hold that the key to solve this problem is to establish a credit guarantee system for small-mediumsized enterprises.Our country′s present credit guarantee system for small- mediumsized enterprises is still in the primary stage and its functions are very limited. It has become a task of top priority as to how, on the basis of further standardizing, strengthening and enlarging the present credit guarantee institutions,to establish as soon as possible a credit guarantee system with perfect setups and powerful functions, to provide more financial support for small- mediumsized enterprises, to enhance the competitive power and vitality of small- mediumsized enterprises, and to bring along the development of national economy.