我国中小企业信用担保体系的不足与完善

国际经济界普遍认为：中小企业将是21世纪经济发展的主角。中小企业在保证中国经济适度增长、缓解就业压力、方便群众生活、推动技术创新、促进国民经济发展和保持社会稳定等方面发挥着重要作用，然而融资难、寻保难严重制约着中小企业的发展。建立中小企业信用担保体系作为世界各国扶持中小企业发展的通行做法，是改善中小企业融资环境、化解金融风险的重要手段。

The Deficiency of China''''s Medium and Small-sized Enterprises Credit Security and its Perfection

It is widely accepted in the intemational economic world, medium and small-sized enterprises will play a main role in the economy development of 21st century. China's medium and small-sized enterprises play an important part in maintaining Chinese economic proper growth, release the employment pressure, improve the people's life, prompt the innovation of technology, encourage healthy development of national economy and maintain social stability. However, Difficulty in seeking financial and insuring support seriously restrains the development of medium and small-sized enterprises. Establishing credit security system is a common practice to support the development of medium and small-sized enterprises in the world, which is one key means of improving the financing environment and defusing financial risks for medium and small-sized enterprises.