中国中小企业信用再担保制度的构建

中国担保行业的迅速发展,使企业融资难的问题得到一定程度的缓解,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刻不容缓。笔者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,在此基础上找出更适合中国国情的中小企业信用再担保制度。

A Study of Construction of Chinese Credit Re-guarantee System for SMEs

The guarantee system develops rapidly in China,and it alleviates the financing difficulty of enterprises to a certain extent.Even so,it is still a big problem for small and medium-sized enterprises(SMEs) to have enough capital to develop.Therefore,it is of great urgency to implement the credit re-guarantee system to relieve the SMEs’ financing difficulty.The paper comprehensively analyses the credit re-guarantee systems existing in the developed countries and enumerates the re-guarantee systems existing in China.Then it points out the respective advantages and disadvantages and proposes the appropriate credit re-guarantee system for SMEs of China.