中小企业融资担保机构的作用与其问题分析

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1、以起到一定的作用；然后进一步运用理论分析和案例研究相结合的方法，剖析我国中小企业融资担保机构仍然存在着信息不对称、外部环境欠佳和内部建设不足等问题，并以“中科智事件”为例深入分析解决我国中小企业融资担保机构局限性的困难；最后在此基础上，对完善我国中小企业融资担保机构提出了相应的对策建议，重点提倡大力发展行业性担保公司，发挥集群效应，并强调指出健全中小企业融资担保机构离不开政府引导和财政支持。关键词：中小企业；信息不对称；融资担保机构；行业性担保公司IIAbstractInrecentyears,SmallandMediumEnterpri

2、ses(SMEs)ofourcountryhavedevelopedrapidlysincethePolicyofOpeningandReform.ThepositionofSMEsinnationaleconomyisoutstandingdaybyday,SMEsmakeagreatcontributiontothedevelopmentofoureconomic.ButthemostimportantfactortorestrictthedevelopmentofSMEsisthelackoffundthatmainlycomesf

3、romcommericalbanks,financialdifficultyhasalwaysbeenmainlyproblemwhichblocksSMEstofartherdevelop.Asanimportantcomposedpartofguaranteeindustry,financialguaranteeispredominantwayforSMEsservices.SMEsfinancialguaranteewhichisahigh-riskandlowincomeindustryanduniversalalloverthe

4、worldtosupportSMEsisalsotheeffectivewaytoremodeltherelationshipbetweenenterpriseandbank,tostrengthentheconceptofcredit,toresolvefinancialriskandimprovetheenvironmentoffinancingofsmallmediumenterprise.ThoughfinancialguaranteeplaysaveryimportantroleinpromotingSMEstoslowthed

5、ifficultyoffinancing,whatismore,guaranteeinstitutearefacingthetrendoffastdevelopment.Fortheexistenceofsuchfactorsasthatasymmetricinformationstillexistedamongguaranteeinstitution、commercialbankandSMEs,Theinternalsystemimperfectandtheexternalenvironmentnon-matchingexistwith

6、financialguaranteeinstitutionisstillindeficiency.Therefore,establishingandimprovingguaranteeinstitutionofSMEsisimperative.Theacademiccommunityhavemadealotofresearchaboutfinancialguarantee,whethertheproblemisrevealedorputtingforwardinspiringideasandproposalswhichmadeagreat

7、importantcontributiontopromoteSMEsfinancialguaranteeinstitutionreforming.Ourcountryacademicwhichmainlyfocusedontheapplicationofdifferentfinancialtheoriesandmethodsaboutfinancialguarantee,madelotsofanalysisonthenatureofguaranteeagency,thisarticlewhichmakesin-depthresearcha

8、boutthefunctionandlimitationsuchasasymmetricinformation,externalenvironmentandinternalconstructi