我国中小企业信用担保模式存在的问题及对策.doc

文档介绍：我国中小企业信用担保模式存在的问题及对策
摘要
中小企业“融资难”是当前我国市场经济发展过程中面临的一个“瓶颈”问题,而长期以来,“担保难”又是造成中小企业“融资难”的主要症结之一。因此,有效解决“担保难”,进而突破中小企业融资“瓶颈”制约,对我国经济的深入发展具有重要意义。本文首先介绍了目前我国中小企业融资担保的现状,并阐述了建立中小企业信用担保的必要性。然后从中小企业信用担保模式存在的各类问题入手分析这些担保模式的缺陷与不足,最后针对问题提出对策来进行完善相关的推广模式。希望能够为有效改善中小企业融资环境。
关键词中小企业;信用担保模式;信息不对称;补偿机制

THE PROBLEMS AND SOLUTIONS OF CHINA'S SME CREDIT GUARANTEE PATTERN
ABSTRACT
SME “financing difficulties” is the current development of China's market economy faced a “bottleneck” problem ,and a long time , one of the main crux of the small and medium-sized enterprise “financing difficult” is the “hard security” Therefore ,an effective solution to “hard security”,and then break through the financing of SMEs “bottlenecks” in depth on China's economy is important to the development. In this paper, I first introduce the status of China's SME credit guarantee and elaborate of expounded the need for credit guarantees for SMEs. Then from the SME credit guarantee institutions exist various types questions to analysis of these guarantee patterns deficiencies and ings, and e up with strategies to tackle the problem related to the promotion of sound patterns. I hope to be able to effectively improve the financing environment for SMEs.
KEY WORDS information asymmetry; small and medium-sized enterprise; credit guarantee pattern; compensation mechanism
目录
摘要 I
ABSTRACT II
前言 1
1我国中小企业信用担保现状 1
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2建立中小企业信用担保的必要性 4
信用担保有助于修正信息不对称 4
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3我国中小企业主要信用担保模式存在的问题 5
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4完善我国中小企业信用担保模式的对策建议 8
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5结论 14
参考文献 15
前言
中小企业己经成为我国经济发展的重要组成部分,成为推动我国经济发展和活跃市场的生力军。但是,由于中小企业规模较小、产品市场占有率较低、技术设备水平低、劳动生产率总体水平偏低等原因,造