中小企业融资与信用担保体系研究2.docVIP

中小企业信用担保体系研究 江苏大学学士学位论文 PAGE 16 PAGE I 江苏大学学士学位论文 PAGE III 摘 要 中小企业是我国国民经济的重要组成部分,其在促进国家经济发展,提供就业机会等方面有不可替代的作用。但资金不足目前已成为我国中小企业发展中最为突出的问题，融资困难成为制约中小企业发展的“瓶颈”，而担保困难又是“瓶颈”中的 “瓶颈”，使得银行及其它金融机构为规避自身风险不愿对中小企业融资，从而造成中小企业的发展得不到足够的资金支持。 解决这一问题，关键要努力克服中小企业其自身缺陷和现行融资制度设计方面的问题。因此，借鉴国际经验，完善有政府参与的、高效的中小企业信用担保体系，是当前解决中小企业“融资难”的有效方式。纵观我国当前的中小企业信用担保体系，其机构设置、运行机制、业务范围、风险控制、配套机制等方面均存在缺陷，构建一个具有中国特色的中小企业信用担保体系迫在眉睫。因此，研究中小企业信用担保体系具有现实意义。本文就中小企业存在的问题，阐述了中小企业信用担保体系的现状及存在的问题，探讨了建立和完善中小企业信用担保体系的对策。 关键字：中小企业 信用担保体系 问题 对策 Abstract Chinas Medium-sized Enterprises have became one important part of the national economy, who have an irreplaceable role in promoting national economic development and providing employment opportunities . However, shortage of funds has now become the most prominent issues of Chinas SME development, financing problems constraining the development of SMEs and had became the bottleneck .beside,the difficult to guarantee is the bottleneck of the bottleneck,which making banks and other financial institutions to avoid their own finacing to SMEs, and resulted the SMEs can not have enough financial support in their development . To Solve this problem, the key is to overcome their own shortcomings and modify the current financing system problems design for SEMS. Thus, drawing the international experiences to improve one government participation and efficient SME credit guarantee system, is an effective way to solute the SMEs Financing problem.Looking at Chinas current credit guarantee system, its institutional setup and operational mechanism, scope of business, risk control and supporting mechanism, and other areas there are deficiencies with Chinese characteristics to build a credit guarantee system for imminent. Therefore, the study of SME financing and credit guarantee system have practical significance. Keyword: Chinas Medium-sized Enterprises ； credit guarantee system ； current suitilation ； problem ； pilicy