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在我国,近年来已将发展中小企业信用担保机构作为解决中小企业融资问题的重要举措在各地推开。各地建立的中小企业信用担保机构一般有三种类型:一是主要由地方财政出资的政策性信用担保机构;二是非营利性的企业间互助担保机构;三是营利性的民营商业性担保机构。其中以政策性担保机构和准政策性的担保机构为主。目前中小企业信用担保机构的建立和运作情况不令人满意。如规模有限、运作不规范、不具有生存能力、隐含潜在风险等,对中小企业信贷融资的
In our country, in recent years, the development of SME credit guarantee agencies as an important measure to solve the financing problem of SMEs has been launched in various places. There are three types of SME credit guarantee institutions established around the country: one is a policy-based credit guarantee institution financed mainly by local finance; the other is a non-profit mutual-aid guarantee institution between enterprises; and the third is a for-profit private commercial guarantee institution. Among them, the policy-oriented guarantee agencies and quasi-policy-oriented guarantee agencies are the major ones. At present, the establishment and operation of SME credit guarantee agencies are unsatisfactory. Such as limited scale, non-standard operation, non-viability, implicit potential risks, financing for SMEs