文档介绍：摘要
摘要
科技型中小企业作为中小企业的生力军在促进经济发展和就业等方面具有重要作
用,是我国经济发展不可或缺的组成部分。但是,相对于我国其他大型企业及传统型中
小企业来说,科技型中小企业具有高风险、起步低的特点,其融资难的问题一直备受关
注。虽然科技型中小企业融资难的原因很多,但科技型中小企业信用担保体系不健全是
主要因素之一,因此,采取有效措施建立和完善我国科技型中小企业信用担保体系具有
积极现实意义。
本文根据我国科技型中小企业发展需求以及信用担保现状,综合我国中小企业发展
的宏观环境和微观行为,以信息不对称等理论为基础,从道德风险和逆向选择两方面存
在的问题进行了全面、深入地分析研究,以进一步建立和完善我国科技型中小企业信用
担保体系。
本文通过分析国内外科技型中小企业信用担保的相关理论,结合美国、日本和韩国
等国家科技型中小企业信用担保的经验,根据我国科技型中小型企业信用担保的现状、
存在问题及成因,探讨我国科技型中小企业信用担保体系的建立和完善问题。搭建融资
的信息平台,建立以科技型中小企业为突破口,包括信用征集、信用担保、信用评价在
内的社会化信用体系,更好的服务于科技型中小企业。
通过研究分析美国、日本、韩国、德国等国家信用担保的相关资料,客观分析科技
型中小企业发展的特点,进行相关问题的规范分析,论述科技型中小企业信用担保资金
来源、运行环境等问题。
本文还提出建立由政府出面建立科技型中小企业信用担保所必需的信息平台、规范
信用担保体系所需要的金融监管机构,以此促进科技型中小企业信用担保体系的发展和
完善。

关键词科技型中小企业信用担保信息不对称金融监管
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Abstract
Abstract
High-tech SMEs play an important role as a new force of SMEs in promoting economic
development and employment, and are the ponents in China's economic
development. However, related to the Small and Medium Enterprises and China's other major
traditional SMEs, the existence of high-risk, low start feature, the financing problem has
always been of concern. Leading cause of difficulties in financing small and medium sized
complex, one of the reasons is that there are many constraints currently SME credit guarantee
system for the development of science and technology factors, such as credit guarantees
related to the legal system and economic system is not standardized, operating environment is
not perfect, credit guarantee institutions and credit rating system does not regulate the system
so imperfectly. In view of this, we must take effective measures to establish and improve our
steady and healthy development of SME.
This paper collected relevant information and data, according to the reality of our credit
guarantee and SME development demand, Integrated macro environment for the development
of SMEs and micro-behavior to asymmetric information theory, from moral hazard and
adverse selection probl