【正文】 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。有“中小企業(yè)王國”之稱的臺(tái)灣早在1974年，就建立了中小企業(yè)信用擔(dān)?；穑Y(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。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。太多的柜臺(tái)，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(qǐng)，違反了建立中小企業(yè)擔(dān)保體系的目的。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。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?！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)。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(duì)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。兩者都是中小企業(yè)從事直接擔(dān)保業(yè)務(wù)的基礎(chǔ)。臺(tái)灣和香港也在1974年和1998年實(shí)施。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 nonprofit 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。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)。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。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。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。我們應(yīng)該為擔(dān)保條件，接入系統(tǒng)，操作模式，法律規(guī)范，風(fēng)險(xiǎn),取得等作出規(guī)定，是中小企業(yè)信用擔(dān)保體系能夠根據(jù)法律調(diào)整操作，阻止風(fēng)險(xiǎn)，保障他們的合法權(quán)利和利益。當(dāng)擔(dān)保公司不能歸還貸款，信用擔(dān)?；鸪袚?dān)清算債務(wù)的責(zé)任，接受信用擔(dān)保基金服務(wù)的中小企業(yè)必須付一定費(fèi)用。其中，公司法沒有為擔(dān)保機(jī)構(gòu)制定特定條例，擔(dān)保法調(diào)整企業(yè)和自然人作為非專業(yè)保證作為并且關(guān)心債權(quán)人的利益。事實(shí)上，中小企業(yè)需要特別的擔(dān)保機(jī)構(gòu)因?yàn)樗麄兊男庞枚绕?，既不合格保證事情也不找一個(gè)非金融中介機(jī)構(gòu)的擔(dān)保人。實(shí)際上，由于中小企業(yè)的數(shù)量多，范圍廣，個(gè)人化的貸款需求，每年有越來越多的企業(yè)，政府沒有足夠的資金不可能充當(dāng)中小企業(yè)擔(dān)保體系的領(lǐng)導(dǎo)者去踐行微觀控制和社會(huì)管理的功能。后來，美國。國家中小企業(yè)信用再擔(dān)保機(jī)構(gòu)為省中小企業(yè)信用擔(dān)保機(jī)構(gòu)提供服務(wù)，省中小企業(yè)信用擔(dān)保機(jī)構(gòu)為城市中小企業(yè)信用擔(dān)保機(jī)構(gòu)服務(wù)，城市中小企業(yè)信用擔(dān)保機(jī)構(gòu)為社區(qū)互助機(jī)構(gòu)和商業(yè)擔(dān)保機(jī)構(gòu)提供服務(wù)和業(yè)務(wù)。這是因?yàn)橹行∑髽I(yè)不健全的信用擔(dān)保體系造成的，基于中國中小企業(yè)擔(dān)保體系和它的問題，本論文通過正常的分析提