从国内外经验看中国中小企业信用再担保制度的构建之道

中国的担保行业发展迅速,使企业融资难的问题得到了一定程度的缓解,即便如此,快速发展的中小企业对资金的需求得不到满足的问题仍然大量存在,开展再担保以切实缓解中小企业融资难已经刻不容缓。目前最突出问题之一就是信用再担保体系长期缺位,造成信用担保机构的信用能力不够,银行不能充分信任,信用担保杠杆效应未能充分发挥,远远不能满足中小企业的融资需求。文章将全面比较分析发达国家已经存在的信用再担保模式、列举出我国已经存在的再担保形式并分析各自的利弊,在总结的基础上找出更加适合我国国情的中小企业信用再担保制度。

A Study on Construction of Chinas Credit Re-guarantee System for SMEs

The guarantee system is developing rapidly in China,and it alleviates the financing difficulty of enterprises to a certain extent.Even so,it is still a big problem that the requirement of capital for the rapid development of small-and medium-sized enterprises(SMEs) can't be met enough,therefore the implementation of the credit re-guarantee system to relieve the SMEs'financial difficulty is urgently needed.For China's current situation,one of the most prominent problem is the long-term absence of credit re-g...