我国中小企业信用担保体系存在的问题与对策

On the Credit Guaranty of China's Small-and-medium-sized Enterprises

摘要: 1992年以来, 我国信用担保体系实现了飞速发展, 但是还存在着众多的问题, 如担保机构类型单一、政府干预严重、法律体系不健全、资金补偿机制缺乏、银行与担保公司合作不畅、人才匮乏等问题.究其原因, 主要是市场信息不对称和制度自身缺陷造成的, 进一步完善中小企业信用担保体系需要在法律建设、规范机构行为等方面着手.

Abstract: This paper defines the credit guaranty in accordance with the Guaranty Law of China.The Guidelines for the Credit Guaranty for Small-and-medium-sized Enterprises is also governed by the Guaranty Law of China.