中小企业融资英文文献.doc

An Analysis on Credit Guarantee System of Small and Medium-sized Enterprises in China AbstractAt presentthere are still many constraints in the further development of SMEsmall and medium—sized enterprises in ChinaAnd especially the financing development of SME has become a bottle neckwhich was caused by the unsound credit guarantee system for SMEBased on China’s SME guarantee system and its problemsthe thesis puts forward proposals to perfect guarantee system for China’s SME with normal analysisIn order to make guarantee system play its due roleit is necessary to establish different modes of credit guarantee institutions in accordance with the actual situationto found SME credit guarantee funds and its supplementary systemto adjust the operation mode of guarantee funds and to improve legal protection of the credit guarantee system 对中国中小企业信用担保体系的分析 摘要目前中国中小企业的进一步发展仍然受到很多约束尤其是中小企业融资问题已经成为制约的瓶颈。这是因为中小企业不健全的信用担保体系造成的基于中国中小企业担保体系和它的问题本论文通过正常的分析提出了完善中国中小企业的担保体系的的建议。为了使保障体系发挥其应有作用有必要根据实际情况建立不同的信用担保机构模式。建立中小企业信用保证基金及其辅助系统。调整保证基金的运营模式提高信用担保系统的法律保护。 KeywordsSMEsmall and medium—sized enterprisescredit guarantee systemcredit guarantee fund 1 Introduction The present situation of credit guarantee system in China China’s SME credit guarantees composed of One Body and Two WingsOne body refers to the city provincial and national credit guarantee systemNational SME credit re—guarantee institutions make services for the provincial SME credit guarantee institutionsprovincial SME credit guarantee institutions offers services for the city SME credit guarantee agencies and city SME credit guarantee institutions do services and business for community mutual institutions and commercial guarantee institutions“Two Wings”refers to the mutual guarantee agencies and commercial guarantee agencies which make service for SME in urban and rural communitiesBoth are the foundation of SME engaging in direct guarantee businessCommercial guarantee agencies and mutual guarantee institutions enjoy the re—