【正文】 。以這種方式，在相關(guān)規(guī)定的保護(hù)下將不斷完善中小企業(yè)信用擔(dān)保體系,充分發(fā)揮中小企業(yè)的支持作用。應(yīng)該建立動(dòng)態(tài)的，開放的保障基金發(fā)展機(jī)制。3．3 To establish guarantee fund supplementary systemTo supplement fund must stick to the policy that government is the primary and the society is auxiliary to collect money from all aspects．As a result of security charges are often not sufficient for pensatory loss. guarantee services for SME can directly promote the development and increase the revenue，and therefore，SME credit guarantee funds can not be just one—time．Government should consider supporting SME as a long—term task．A longterm institutional planning should be made and guarantee funds will be included in the annual government budget for guarantee activities to provide as table funding source．At the same time．various measures should be taken to encourage the mercial banks．corporations and fund holders to give financial assistance for the guarantee fund．And the development mechanisms of dynamic and open guarantee funds should be established． 建立擔(dān)?；鹧a(bǔ)充體系補(bǔ)充基金必須堅(jiān)持政府為主，社會(huì)為輔，從各方面籌集資金的政策。3．2 To establish SME credit guarantee fund SME Credit Guarantee Fund is mainly financed by government and other institutions．groups and relevant mercial banks set up specialized agencies to guarantee for loans bank．But it also raises capital directly from the financial market．When guaranteed panies can not repay debt．Credit Guarantee Fund assumes responsibility to liquidate debts．SME which receive the service from Credit Guarantee Fund must Pay a certain fee．Taiwan，”small and medium—sized kingdom，”as early as 1 974，has established the”SME Credit Guarantee Fund”。一些已出臺(tái)的政策政府只能在狹小的范圍適用，因此，我國現(xiàn)行保護(hù)擔(dān)保行業(yè)的法律制度的發(fā)展落后于工業(yè)的發(fā)展。就這一點(diǎn)而言，中國有關(guān)中小企業(yè)信用擔(dān)保行業(yè)的法律法規(guī)主要的公司法，擔(dān)保法。擔(dān)保行業(yè)是一個(gè)高度專業(yè)的,這就需要人員不僅有財(cái)務(wù)、安全及其他知識(shí),但也非常熟悉每一方面的業(yè)務(wù)。大多數(shù)的商業(yè)擔(dān)保機(jī)構(gòu)使用高擔(dān)保費(fèi)用作為基金的補(bǔ)償。2．2 The operation management problems in SME credit guarantee system The operating management problems in SME Credit guarantee system is mainly reflected in four aspects：funds pensation mechanism，risk dispersed mechanism，guarantee variety and guarantee personnel．The capital sources of government guarantee institutions mainly e from financial funds and assets of local governments and guarantee fee as a supplement．However, local financial resources and assets are in a onetimescale while government guarantees institution as a non