中小企业信用担保标准体系的新规制度性缺陷及其新规制度创新.docVIP

中小企业信用担保体系制度性缺点及其制度创新 [摘要]：中国中小企业信用担保体系已经初步含有行业规模，它对中国中小企业发展壮大也起到了积 极作用。不过现有中小企业信用担保体系在结构、经营和功效上三重制度性缺点，我们在分析上述缺点成因基础上，提出保持该体系可连续发展根本路径在于中小企业信用担保体系及其上下游步骤两个层面上制度创新。 [关键词]：中小企业 ； 中小企业信用担保体系； 制度创新 [Abstract]：Our credit guarantee systems for SMEs have formed basic scale and have produced beneficial effects on the SMEs’ development，but there are three defects in structure, operation and function of existing guarantee systems for SMEs。We analyze the reasons why the above defaults exist ，and point out that the radical way to keep sustainable development of the whole systems is such instituti