文档介绍：中南民族大学硕士学位论文
摘要
中小企业一直是经济发展和社会稳定的重要支柱。德国把中小企业称为国家的“重
要经济支柱”,美国则认为中小企业是“美国经济的脊梁”,日本政府更称“没有中小企
业的发展就没有日本的繁荣”。在我国,中小企业占全国注册企业总数的 %,其工业
总值、实现利税、销售收入、出口总额已分别占全国的 60%、40%、57%和 60%左右,提
供了大约 75%的城镇就业机会。因此,促进支持中小企业的发展对国家、社会和人民都
是非常具有意义且势在必行的任务。
中小企业融资问题是阻碍其发展的重要原因,国内外理论界对中小企业融资问题进
行了大量的理论与实证研究。本文试图综合利用中小企业信用评价方法,从中小企业信
用困境的角度解释我国中小企业融资难的原因。本文通过收集、整理 2005 年浙江省申
请融资贷款的两家中小企业的相关数据资料,运用模糊评估定性与定量相结合对其进行
信用评价。
中小企业的信用困境问题是当前中小企业普遍面临的问题,因此建立中小企业信用
担保体系是解决中小企业融资难的根本有效的方法,也是世界各国扶持中小企业发展的
通行做法。本文研究了目前我国中小企业信用担保的现状,分析了中小企业在信用担保
中存在的主要问题及原因,并通过对国外中小企业信用担保体系的比较研究,为解决我
国中小企业信用困境带来的融资难的问题提出了相应的建立和完善我国中小企业信用
担保体系的对策。

关键词:中小企业;融资;信用评估;信用担保体系
中小企业信用评价与担保机制研究
Abstract
At present, the SMEs is one of the most important prop of economical development and
the social stability. In Germany the SMES is called the important cornerstone of the country.
To Japan, no SMEs, no prosperity, and American people think the SMEs is their economical
back. In our country, the SMEs accounts for % of the national registration total number of
enterprises. Its industry resultant, the sales e, the realization profits and taxes, the total
export have occupied the nation separately about 60%、57%、40% and 60%. Therefore,
promoting and supporting the SMEs has the significance and is the imperative duty extremely
to the development of the country, the society and the people.
The SMEs financing question is the most hindering reason of its development. Many
economists home and abroad have made a lot of theoretical and empirical studies on the
SMEs financing problem. This writer attempts to explained reason of our country SMEs
financing problem, using prehensive utilization SMEs credit assessment method. As
two SMEs of Zhejiang Province, who applying for the financing loan in 2005 for example,
the writer appraises their credit to prove the credit difficult position of SMEs.
Financing difficulty of SMEs is the most critical problem of SMEs. Building up SMEs