中小企业融资英文文献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 norma l 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—guarantee services and share the risk provided by SME agencies in accordance with state regulation and provision 1介绍中国信用担保体系的当前现状中国中小企业信用担保体系由一个身体和两个翅膀构成身体指城市、省份和国家信用担保系统。
国家中小企业信用再担保机构为省中小企业信用担保机构提供服务省中小企业信用担保机构为城市中小企业信用担保机构服务城市中小企业信用担保机构为社区互助机构和商业担保机构提供服务和业务。
“两个翅膀”指为城市和农村社区服务的互助担保机构和商业担保机构。
两者都是中小企业从事直接担保业务的基础。
商业担保机构和互助性担保机构享受再担保服务并且分担中小企业按照国家规定和条款应承担的风险。
Since l 998the credit guarantee system for SME has been established in ChinaAccording to the survey from National Development and Reform Commissionby the end of 2006there are 3366 guarantee institutions in Chinaincluding 359 provincial ones and l 665 municipal ones668 institutions are funded by government629 institutions are supported in financingand 2049 institutions are funded by non—governmentThere are 2863 company legal persons38l institution units and l22 juridical associationsGuarantee institutions raise the total capital amounts to l23258 billion yuanof which 35746 billion yuan is contributed by governmentaccounting for 29of the totalGuaranteed companies are up to 379586 and guaranteed capital amounts to 805.187 billion yuanAmong 3366 guarantee institutions servicesthere are 128 million serviceswhose single guaranteed capital below one millionaccounting for 858 of the total 自从1998年信用担保体系应经在中国建立依据国家发展和改革协会的调查到2006年年底将有3366家担保机构在中国包括359个省担保机构和1665个互助性机构668个机构将由政府建立629个机构通过融资建成2049个由非政府资助而成。
将有2863个公司法人381个事业单位和122个司法协会。
保证机构筹集资本总额达l23.258亿元其中35.746亿元由政府贡献占总数的29。
担保公司上升至379.586担保资本达到805.187亿元在3366个担保机构服务中有128.0000个服务他们的担保资金在一百万元以下的占总数的85.8. 12 The present situation of credit guarantees system abroad In the world Japan has established the credit guarantee system for SME at the beginningIn 1 937 regional Tokyo Credit Guarantee Association was foundedIn l958 the establishment of a national SME Credit Insurance Corporation and the national credit guarantee associations formed a national credit guarantee system for SME which combined the central and local governments to share riskGuarantee and re—guaranteeAfterwardsthe United StatesGermany and Canada began to implement credit guarantee system for SME respectively in 19531954 and in 1961So did Taiwan and Hong Kong respectively in l 974 and l 998The more developed the market economy isthe more perfect the credit guarantee system will in such way it will provide tremendous financial support for SME.1.2 外国信用担保体系现状日本是世界上最先建立中小企业信用担保体系的1937年在东京建立东京信用担保协会1958年设立了国家中小企业信用保险公司和国家信用担保机构两者组成了为中小企业服务的国家信用担保体系他们联合中央和地方政府共同分担担保和再担保的风险。