【摘要 (中文/英文)】 随着我国改革开放以来经济的持续快速发展,越来越多的中小企业不断涌现,现已成为我国国民经济的重要组成部分。中小企业的发展对于创造就业岗位、增加财政税收、推动技术创新、促进出口以及保持经济活力都有着非常重要的作用。由于我国中小企业具有自身信用低的特性以及外部环境体系的不完善,其获得自身发展所需的资金受到了相对制约。因此,为了改变中小企业融资难的现状,建立完善的中...更多ass=Mark>小企业信用担保体系势在必行。 文章通过对中小企业信用担保体系的国内外理论综述以及相关经济学原理的分析,深刻认识到我国建立完善的中小企业信用担保体系的必要性。随后,借鉴了以美国、日本为首的发达国家发展中小企业信用担保体系的成功经验,并同时参考了印度尼西亚等发展中国家发展中小企业信用担保体系的部分经验。与此同时,文章还介绍了我国中小企业信用担保体系的总体发展状况,并分别介绍了政策担保模式、商业担保模式和互助担保模式在我国的发展现状。 通过我国中小企业信用担保体系的发展现状与上述国外发展中小企业信用担保体系成功经验的比较分析,充分认识到我国发展中小企业信用担保体系在内外部环境两方面均存在诸多不足,尤其是我国目前实行的是以政策担保为主的单一模式,其他类型没有得到应有的发展,这无形中加大了国家的负担,不利于国家经济的长期发展。为此,文章针对上文所提出的诸多不足一一给予具有针对性政策建议,并特别强调了对于我国目前来说,鼓励发展互助担保模式更为切实可行。

 With the economy development on rapid and sustainable since our country had reformed and opened, more and more the small and medium enterprise(SME) is spring up unceasingly to become our national economy important component. Development of SME has a very important effect to creating a job, increasing a fiscal levy, driving technological innovation, promoting export and keeping economic vitality. SME which has difficulty in getting required developing fund is outstanding gradually, because of the poor credit characteristic and the outside environment system. Therefore, in order to change the status about difficulties in financing for SME, establishing the perfect SME credit guarantee system is imperative. Based on the SME credit guarantee system at home and abroad theoretical summarizing as well as relevant theory of the principles of economics, a profound understanding of China's establishment of SME credit guarantee system is necessary. Subsequently, reference the developed countries to develop the SME credit guarantee system for the successful experience, such as United States and Japan, and take into account the development of SME credit guarantee system in developing countries for the part of experience, such as Indonesia. At the same time, the article also introduced China's SME credit guarantee system for the overall development situation, and introduced the policy model, business model and mutual guarantee model in China. Through comparative analysis between China's SME credit guarantee system status and the successful experiences from aboard, understand that the development of SME credit guarantee system has many inadequacies in internal and external, particularly China implemented a single model to effect the burden on the state, not conducive to the long-term development of the national economy. Therefor, the article gives many pertinence policy recommendations in response to inadequacies, and emphasizes that encouraging the development of mutual model is more feasible now.

【关键词 (中文/英文)】 中小企业; 信用担保体系; 担保模式; 担保风险转移机制; 担保资金补偿机制