It also clearly defines the connotation and extension of small or medium enterprises , especially ours , which settles the base for the later research . secondly , the paper reviews the requirement and supply of capital , then concludes that the lack of the credit guaranty policy is mainly responsible for the difficulty in finance of small or medium enterprises in zigong . the complete credit guaranty policy realizes the win - win situation between banks and small or medium enterprises 本文首先分析了自贡市中小企业的发展及其融资状况,从资金需求和资金供给两方面加以考察,得出信用担保制度的缺失是导致自贡市中小企业融资难的根本原因;其次,对自贡市现有的信用担保制度的现状进行了分析,发现了其存在的一系列问题;然后,针对这些问
It ’ s an important task for us to do some research and try to find approaches to solve the " bottleneck " problems . because of the defect in our nation ' s market system , indirect financing through banking is the main way for smes . so one effective way to cope with this problem is to establish credit guarantee system of smes 由于中小企业在竞争中处于相对弱势地位,各国尤其是市场经济发达的国家均对中小企业在政策上给予一定扶持,这其中最重要的措施就是建立和完善中小企业信用担保制度,为中小企业和银行等金融机构架起“桥梁” 。
Remedy the understanding of the smes " credit guarantee ; 2 . set up the enterprises " credit system ; 3 . reform the financial organism and construct the financial market system to hold the smes ; 4 . to perfect the smes " credit guarantee system including extending the soure of credit guarantee funds , perfecting the organism of controlling and dispersing risk , doing guaranee innovation , perfecting the law and regulation which concern of the smes " credit guarantee 针对这些现实问题，笔者提出以下一些解决对策: 1 、纠正对中小企业信用担保制度的认识偏差，树立正确的信用担保观念; 2 、建立企业征信制度; 3 、改革金融体制，建立支持中小企业的多层次金融市场体系; 4 、完善中小企业信用担保制度本身，包括扩大信用基金来源，健全控制风险与分散风险机制，积极进行担保创新，完善相关法律法规。
( 5 ) some of special systems corrected with credit such as credit evaluation , guaranty and personal credit systems are in a state of juvenility and the whole social credit system has n ' t been created either . ( 6 ) the legal system and the rule of law is not complete yet ( 4 )我国与信用相关的一些专门制度例如信用评估制度、信用担保制度、个人信用制度也不成熟，没有形成健全的社会信用体系。 ( 5 )我国的信用领域的法制法规尚不健全，执法不严，因此对信用关系的保护不力。
These reasons lead smes to face the difficulty of financing . to solve this problem , it is necessary to set up the smes " credit guarantee system which should be posed and led by the government . this institution will make use of guarantee to rose banks to extend credit loans to smes 然而由于中小企业经营风险较大、信用信息不对称等劣势导致其间接融资渠道堵塞，加上直接融资渠道的欠缺，使中小企业面临融资难的困境，为解决这一难题，我国在政府主导下建立了中小企业信用担保制度，该制度利用担保这一私法手段激励银行向中小企业提供信用贷款，实现融资资本流向与流量的合理化。
On the other hand , the government establishes the smes " credit guarantee also can remedy the government failure and market failure of disposing financial capital and credit sources . the smes " credit guarantee should be accordingly regulated by the economical law . this article analyzes the leagal relationship among government , commercial banks , smes and organizations for smes " credit guarantee too 其次，中小企业信用担保制度契合于经济法法理，即由于市场在配置融资资本和信用资源方面存在不足，以及政府在这一过程中有失灵现象，所以需要借助公权力的适度干预，即由政府主导建立中小企业信用担保体系以引导融资资本流向与配置，从而实现政府扶持中小企业的宏观政策。
Theoretically , the smes " credit guarantee is based on the theory of economy and economical law . the smes " credit guarantee is a new management system , with a purpose to reduce the transaction cost and enhance the social benefit of the smes " financing . that means the smes " credit guarantee is according with the economy rule 从理论上而言，首先，中小企业信用担保制度是经济学理论逻辑推演的的结果，是符合经济规律的，即建立中小企业信用担保制度是一种新的制度安排，目的在于以较低的交易成本和较高的社会收益矫正中小企业间接融资过程中交易成本过高、资源配置效率较低的市场缺陷。
