ProblemsofSMECreditGuarantee中小企业信用担保问题探讨.docVIP

Problems of SME Credit Guarantee [Abstract] Chinas SME credit guarantee system, should be taken to government policy-oriented security and social solidarity-based security combined with government policy-oriented security mainly supplemented by social solidarity-based security mode of operation. 加强对企业信用体系建设是加强企业信用建设的关键。 To strengthen the credit system of enterprises is to strengthen the key to the building of corporate credit. 一要制订一个企业信用评估和管理办法。 A need to develop a business credit assessment and management approach. 在现行的各种对企业信用评估的基础上，将各部门、各行业的评估进行整合，建立一个对企业信用的综合评估方法。 Under the current all kinds of enterprise credit evaluation, based on the various departments to integrate the assessment of the industry, the establishment of a comprehensive assessment of enterprise credit method. 二要成立一个专门机构或委托中介机构，对企业信用状况进行动态的综合评估。 Second, we must set up a specialized agency or commission agency, credit status of enterprises a comprehensive assessment of the dynamic. 三要充分利用计算机网络等先进技术和现代化工具，创建国家企业信用征信体系。 Third, we must make full use of computer, networking and other advanced technologies and modern tools, the creation of national credit information system for corporate credit. [关键词] 中小企业；信用担保；模式选择我国中小企业尤其是民营企业对国民经济贡献的比重越来越大。 [Key words] SMEs; credit guarantee; mode selection of Chinas small and medium enterprises, especially private enterprises to the national economy, increasing the proportion of the contribution. 然而，不论是从直接融资还是间接融资上看，中小企业都存在很大资金缺口。 However, whether from direct financing or indirect financing point of view, there is a big funding gap for SMEs are. 中小企业通过股权和债券进行直接融资的很少，绝大多数只能在间接融资方面寻找突破。 SMEs through direct equity and debt financing small, the vast majority of indirect financing can only be looking for a breakthrough. 由于目前中小企业与银行的信息不对称所导致的道德风险和逆选择的现实，使金融机构存在较大的放贷风险。 Since the current asymmetry of information between SMEs and banks caused by moral hazard and adverse selection in the reality, so that the financial lending institution there is a big risk. 而金融机构为防止道德风险和逆选