我国中小企业信用担保体系的发展现状及对策研究

内 容 摘 要

本文从我国中小企业发展现状所面临的问题出发，指出我国现阶段中小企业信用担保问题，及中小企业信用担保体系对中小企业发展的重要性，着重分析我国的中小企业信用担保体系，进行我国相关政策管理的研究与探讨，对我国中小企业信用担保体系的发展及对策的完善发表一些建议，探讨如何建立完善的中小企业信用担保体系。    In this paper, the problems faced by the current situation of the development of small and medium-sized enterprises in China, pointed out our country present stage small and medium-sized enterprises credit guarantee, and small and medium-sized enterprises credit guarantee system for small and medium-sized enterprise development, the importance of focusing on the analysis of our country small and medium-sized enterprises credit guarantee system, and discusses the study of the management of related policies in China, the development of small and medium-sized enterprises credit guarantee system in our country and the countermeasures of perfecting published some Suggestions, such as establishing perfect small and medium-sized enterprises credit guarantee system.

[关键词]：中小企业发展现状、中小企业信用担保体系、管理、完善、建议

目 录

一、引言5

二、我国中小企业信用担保现状5

1、我国中小企业信用担保体系5

2、我国中小企业信用担保行业特点6

三、 我国中小企业信用担保体系发展的不足6

1、中小企业信用担保的法律法规建设相对滞后6

2、缺乏有效的风险分散机制7

3、银行不积极配合担保7

4、缺乏有效的风险控制机制7

5、缺乏有效的再担保机制7

四、 完善我国中小企业信用担保体系的对策建议7

1、尽快完善我国中小企业信用担保体系配套是法律法规7

2、建立完善的风险分散机制8

3、加强金融机构的合作意识8

4、建立完善的担保风险控制机制8

5、建立完善的担保基金和再担保基金制度9

6、坚持担保走可持续发展的道路9

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