宁波市-中小企业融资担保体系建设问题浅析.doc

PAGE 2 宁波市中小企业融资担保体系建设问题浅析 Abstract In the development of economy and society in China, and small and medium-sized enterprises in occupies an important position and, at the same time, facing a series of problems. In the present economic situation, the international market is difficult to predict, financing difficult, guarantee difficult restricted the development of small and middle-sized enterprises primary factors, establish and perfect the credit guarantee system of small and medium-sized enterprises in China to solve the difficulty in financing of important breakthrough. This paper briefly introduces the financial constraints of small and medium-sized enterprises in China, this paper analyzes the credit guarantee for small and medium-sized enterprise financing support, from ningbo small and medium-sized enterprise financing guarantee system status quo, analysis of the shortcomings of the construction of the citys guarantee system, and with Chinas reality. International situation and the western security theory, puts forward a series of Suggestions and measures. 摘 要 在中国经济与社会发展中，中小企业在占有重要地位的同时，也面临着一系列问题。在目前经济形势严峻，国际市场难以预测的情况下，“融资难，担保难”成为制约中小企业发展的的首要因素，建立和完善信用担保体系成为解决我国中小企业融资难问题的重要突破口。本文简要介绍了我国中小企业的金融约束，分析了信用担保对中小企业融资的支持，从宁波市中小企业融资担保体系建设现状出发，分析该市担保体系建设的不足，并结合我国实 际国情与西方担保理论，提出一系列建议和措施。 关键词：中小企业；信用担保体系；融资 目 录 前言…………………………………………………………………………………1 我国中小企业的金融约束与信用担保的支持………………………………1 （一）中小企业的金融约束………………………………………………1 抵押能力不足……………………………………………………1 经营管理不善导致的盈利能力低下……………………………1 （二）信用担保的支持……………………………………………………2 宁波市建立中小企业信用担保体系的实践…………………………………2 （一）宁波市中小企业信用担保机构运作现状…………………………2 （二）宁波市中小企业融资现状…………………………………………3 宁波市融资担保机构建设中存在的问题……………………………………3 （一）融资担保体系建设欠缺……………………………………………3 （二）担保公司存在的问题………………………………………………4 1、定位模糊…………………………………………………………4 2、担保资本金不足，担保能力不强，抗风险能力弱……………4 3、担保专业人才供求矛盾突出……………………………………5 4、缺少风险补偿机制………………………………………………5 （三）银企间缺乏有效协作………………………………………………5 中小企业信用担保机构运行机制的国际经验借鉴…………………………5 （一）先进国家和地区中小企业信用担保机构的运行模式……………5 1、日本……………