【正文】 profit one charge very low guarantee fee．Therefore government guarantee institutions are lack of funds pensation mechanism．That is why the bank is afraid of releasing too much loans for SME although there are so many government guarantee agencies．Commercial guarantee institutions are also lack of the same mechanism because of their less capital power．The majority of mercial guarantee institutions make high guarantee fee as fund pensation．Some institutions charge guarantee fees in accordance with the half of loans interest rates and some institutions charge more than it．In fact．the need of specialized guarantee institutions for SME loans lie in that their own credit is low．neither are there qualified guaranteed things nor do find a guarantor of non—financial intermediaries．Too much counter．Guarantee demands from guarantee institutions lead that the institutions can not solve the loans difficulty making guarantee applications put forward by SME redundant and violate the aim of establishment of SME guarantee system．Guarantee industry is a highly specialized which requires personnel not only have financial，security and other knowledge，but also highly familiar with every aspect of business operations．Besides talent lack．China has not yet established an access system to guarantee qualification and penalty mechanism for breaking a promise．which also led to the incapability and disqualification of the existing employees．Guarantee varieties are poor and the guaranteed time is short．At present．The majority of our loans are guaranteed in the 6 months not exceeding one year．The guarantee things are basically confined to long—term loan guarantees such as circulation capital，rare equipments，technology innovation and so on． 中小企業(yè)信用擔(dān)保體系的操作管理問題中小企業(yè)信用擔(dān)保體系的操作管理問題主要反映在四個(gè)方面：資金補(bǔ)償機(jī)制，風(fēng)險(xiǎn)分散機(jī)制，擔(dān)保種類和擔(dān)保人員?？傊行∑髽I(yè)信用擔(dān)保是一個(gè)市場現(xiàn)象,因?yàn)樗饕怯捎谥行∑髽I(yè)財(cái)務(wù)困難。臺灣和香港也在1974年和1998年實(shí)施。占總數(shù)的29%。兩者都是中小企業(yè)從事直接擔(dān)保業(yè)務(wù)的基礎(chǔ)。調(diào)整保證基金的運(yùn)營模式，提高信用擔(dān)保系統(tǒng)的法律保護(hù)。An Analysis on Credit Guarantee System of Small and Mediumsized Enterprises in China Abstract：At present．there are still many constraints in the further development of SME(small and medium—sized enterprises in China．And especially the financing development of SME has bee a bottle neck，which was caused by the unsound credit guarantee system for SME．Based on China’s SME guarantee system and its problems，the thesis puts forward proposals to perfect guarantee system for China’s SME with normal analysis．In order to make guarantee system play its due role．it is necessary to establish different modes of credit guarantee institutions in accordance with the actual situation．to found SME credit guarantee funds and its supplementary system．to adjust the operation mode of guarantee funds and to improve legal protection of the credit guarantee system．對中國中小企業(yè)信用擔(dān)保體系的分析摘要：目前，中國中小企業(yè)的進(jìn)一步發(fā)展仍然受到很多約束，尤其是中小企業(yè)融資問題已經(jīng)成為制約的瓶頸。建立中小企業(yè)信用保證基金及其輔助系統(tǒng)?！皟蓚€(gè)翅膀”指為城市和農(nóng)村社區(qū)服務(wù)的互助擔(dān)保機(jī)構(gòu)和商業(yè)擔(dān)保機(jī)構(gòu)。將有2863個(gè)公司法人，381個(gè)事業(yè)單位和122個(gè)司法協(xié)會。德國和加拿大分別在1953．1954和1961年開始為中小企業(yè)實(shí)施信用擔(dān)保體系。s impossible for government which fulfills the macro—control and social management functions to play a leading role in SME guarantee system without enough capital．Therefore．it is unnecessary and impossible for SME credit guarantee system to overdependent on government．2我國信用擔(dān)保體系存在的主要問題中小企業(yè)信用擔(dān)保體系主要結(jié)構(gòu)問題就是：政府過多的擔(dān)保機(jī)構(gòu)和擔(dān)保貸款而私立物擔(dān)保（包括互助性擔(dān)保和商業(yè)擔(dān)保）僅有一點(diǎn)比例。所以，中小企業(yè)信用擔(dān)保體系不需要也不可能過多的依賴政府。因此政府擔(dān)保機(jī)構(gòu)缺少基金補(bǔ)償機(jī)制，這就是為什么銀行害怕為中小企盡釋放太多的貸款管有如此多的政府擔(dān)保機(jī)構(gòu),商業(yè)擔(dān)保機(jī)構(gòu)也同樣缺少這樣的機(jī)制，因?yàn)闆]有足夠的資金力量。太多的柜臺，擔(dān)保機(jī)構(gòu)的擔(dān)保需求導(dǎo)致機(jī)構(gòu)不能解決貸款困難使得中小企業(yè)提出了過多的擔(dān)保申請，違反了建立中小企業(yè)擔(dān)保體系的目的。2．3 The lag of credit guarantee legal construction As an important ponent of national financial support policy, SME credit guarantee system needs specialized laws and regulations．In this regard．1aws and regulations concerning with SME credit guarantee industry in China are mainly Company Law, Guarantee Law, SME Promotion Law as well as departmental rules and 1ocal regulations made by local governments according to relevant policies．Among them．Company Law does not make special regulations for guarantee institutions and Guarantee Law adjusts nonprofessional guarantee acts of enterprises and natural persons and concerns with the protection of the creditors’interests．However it not yet clearly defines market access and withdrawal of the specialized guarantee institutions，business range and variety, qualification of employees，financial and internal control system．industry selfregulation and government regulation and other issues．0ther issued policies have been suitable for government guarantee institution in a narrow scope of application．Therefore．the current national development of legal system on the protection of guarantee industry lags behind the development of the industry．Therefore，market access，business operations and market withdrawal are in a laissez—faire state．which has seriously hindered the sound development of the credit guarantee system． 信用擔(dān)保法律制度的嚴(yán)重滯后作為國家金融支持政策重要的組成部分,中小企業(yè)信用擔(dān)保體系需要專業(yè)的法律法規(guī)。但是沒有明確解釋專業(yè)擔(dān)保機(jī)構(gòu)進(jìn)入市場和退出市場的機(jī)制，業(yè)務(wù)范圍和種類、員工資格,財(cái)務(wù)內(nèi)部控制制度，行業(yè)自律和政府監(jiān)管等問題。對于其他中小企業(yè)資本積累階段在不斷發(fā)展開始成型,他們可能已經(jīng)選擇成為股東并且在互惠互利互助原則基礎(chǔ)上建立私人互助性擔(dān)保機(jī)構(gòu)。有“中小企業(yè)王國”之稱的臺灣早在1974年，就建立了中小企業(yè)信用擔(dān)保基金，它結(jié)合了中小企業(yè)銀行，中小企業(yè)發(fā)展基金，使它變成金融咨詢服務(wù)體系的一個(gè)重要組成部分。應(yīng)該考慮支持中小企業(yè)作為一個(gè)長期的使命，應(yīng)長期制度規(guī)劃,保證資金將被納入年度政府預(yù)算,保證活動,提供作為餐桌上的資金來源。同時(shí)應(yīng)該考慮制定并實(shí)施中小企業(yè)銀行規(guī)則，中小企業(yè)發(fā)展基金規(guī)則和其他與中小企業(yè)融資相關(guān)的規(guī)則