我國中小企業(yè)信用擔(dān)保體系的發(fā)展現(xiàn)狀及對策研究

內(nèi) 容 摘 要

本文從我國中小企業(yè)發(fā)展現(xiàn)狀所面臨的問題出發(fā)，指出我國現(xiàn)階段中小企業(yè)信用擔(dān)保問題，及中小企業(yè)信用擔(dān)保體系對中小企業(yè)發(fā)展的重要性，著重分析我國的中小企業(yè)信用擔(dān)保體系，進行我國相關(guān)政策管理的研究與探討，對我國中小企業(yè)信用擔(dān)保體系的發(fā)展及對策的完善發(fā)表一些建議，探討如何建立完善的中小企業(yè)信用擔(dān)保體系。    In this paper, the problems faced by the current situation of the development of small and medium-sized enterprises in China, pointed out our country present stage small and medium-sized enterprises credit guarantee, and small and medium-sized enterprises credit guarantee system for small and medium-sized enterprise development, the importance of focusing on the analysis of our country small and medium-sized enterprises credit guarantee system, and discusses the study of the management of related policies in China, the development of small and medium-sized enterprises credit guarantee system in our country and the countermeasures of perfecting published some Suggestions, such as establishing perfect small and medium-sized enterprises credit guarantee system.

[關(guān)鍵詞]：中小企業(yè)發(fā)展現(xiàn)狀、中小企業(yè)信用擔(dān)保體系、管理、完善、建議

目 錄

一、引言5

二、我國中小企業(yè)信用擔(dān)保現(xiàn)狀5

1、我國中小企業(yè)信用擔(dān)保體系5

2、我國中小企業(yè)信用擔(dān)保行業(yè)特點6

三、 我國中小企業(yè)信用擔(dān)保體系發(fā)展的不足6

1、中小企業(yè)信用擔(dān)保的法律法規(guī)建設(shè)相對滯后6

2、缺乏有效的風(fēng)險分散機制7

3、銀行不積極配合擔(dān)保7

4、缺乏有效的風(fēng)險控制機制7

5、缺乏有效的再擔(dān)保機制7

四、 完善我國中小企業(yè)信用擔(dān)保體系的對策建議7

1、盡快完善我國中小企業(yè)信用擔(dān)保體系配套是法律法規(guī)7

2、建立完善的風(fēng)險分散機制8

3、加強金融機構(gòu)的合作意識8

4、建立完善的擔(dān)保風(fēng)險控制機制8

5、建立完善的擔(dān)保基金和再擔(dān)保基金制度9

6、堅持擔(dān)保走可持續(xù)發(fā)展的道路9

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