ProblemsofSMECreditGuarantee中小企业信用担保问题探讨

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1、ProblemsofSMECreditGuarantee[Abstract]China'sSMEcreditguaranteesystem,shouldbetakentogovernmentpolicy-orientedsecurityandsocialsolidarity-basedsecuritycombinedwithgovernmentpolicy-orientedsecuritymainlysupplementedbysocialsolidarity-basedsecuritymodeofoperation.加强对企业信用体系建设是加强企业信用建设的关键。Tos

2、trengthenthecreditsystemofenterprisesistostrengthenthekeytothebuildingofcorporatecredit.一要制订一个企业信用评估和管理办法。Aneedtodevelopabusinesscreditassessmentandmanagementapproach.在现行的各种对企业信用评估的基础上，将各部门、各行业的评估进行整合，建立一个对企业信用的综合评估方法。Underthecurrentallkindsofenterprisecreditevaluation,basedonthevariousde

3、partmentstointegratetheassessmentoftheindustry,theestablishmentofacomprehensiveassessmentofenterprisecreditmethod.二要成立一个专门机构或委托中介机构，对企业信用状况进行动态的综合评估。Second,wemustsetupaspecializedagencyorcommissionagency,creditstatusofenterprisesacomprehensiveassessmentofthedynamic.三要充分利用计算机网络等先进技术和现代化工具，

4、创建国家企业信用征信体系。Third,wemustmakefulluseofcomputer,networkingandotheradvancedtechnologiesandmoderntools,thecreationofnationalcreditinformationsystemforcorporatecredit.[关键词]中小企业；信用担保；模式选择我国中小企业尤其是民营企业对国民经济贡献的比重越来越大。[Keywords]SMEs;creditguarantee;modeselectionofChina'ssmallandmediumenterprises,

5、especiallyprivateenterprisestothenationaleconomy,increasingtheproportionofthecontribution.然而，不论是从直接融资还是间接融资上看，中小企业都存在很大资金缺口。However,whetherfromdirectfinancingorindirectfinancingpointofview,thereisabigfundinggapforSMEsare.中小企业通过股权和债券进行直接融资的很少，绝大多数只能在间接融资方面寻找突破。SMEsthroughdirectequityanddeb

6、tfinancingsmall,thevastmajorityofindirectfinancingcanonlybelookingforabreakthrough.由于目前中小企业与银行的信息不对称所导致的道德风险和逆选择的现实，使金融机构存在较大的放贷风险。SincethecurrentasymmetryofinformationbetweenSMEsandbankscausedbymoralhazardandadverseselectioninthereality,sothatthefinanciallendinginstitutionthereisabigrisk

7、.而金融机构为防止道德风险和逆选择引起信贷风险的发生，便采取“慎贷”甚至“拒贷”的做法，从而产生信贷市场的两难选择。Thefinancialinstitutionsinordertopreventmoralhazardandadverseselectioncausedbytheoccurrenceofcreditrisk,weadopta"prudentloan"andeven"offtheloan"approach,resultinginthecreditmarketdilemma.一方面，中小企业急需资金进行经营却无处寻觅