【正文】 中國信用擔(dān)保體系的當(dāng)前現(xiàn)狀中國中小企業(yè)信用擔(dān)保體系由一個(gè)身體和兩個(gè)翅膀構(gòu)成，身體指城市、省份和國家信用擔(dān)保系統(tǒng)。為了使保障體系發(fā)揮其應(yīng)有作用，有必要根據(jù)實(shí)際情況建立不同的信用擔(dān)保機(jī)構(gòu)模式。Since l 998．the credit guarantee system for SME has been established in China．According to the survey from National Development and Reform Commission，by the end of 2006，there are 3366 guarantee institutions in China．including 359 provincial ones and l 665 municipal ones．668 institutions are funded by government．629 institutions are supported in financing．a(chǎn)nd 2049 institutions are funded by non—government．There are 2863 pany legal persons，38l institution units and l22 juridical associations．Guarantee institutions raise the total capital amounts to l23．258 billion yuan．of which 35．746 billion yuan is contributed by government．a(chǎn)ccounting for 29％of the total．Guaranteed panies are up to 379．586 and guaranteed capital amounts to billion yuan．Among 3366 guarantee institutions services．there are 1．28 million services．whose single guaranteed capital below one million accounting for 85．8％ of the total．自從1998年，信用擔(dān)保體系應(yīng)經(jīng)在中國建立，依據(jù)國家發(fā)展和改革協(xié)會(huì)的調(diào)查，到2006年年底，將有3366家擔(dān)保機(jī)構(gòu)在中國，包括359個(gè)省擔(dān)保機(jī)構(gòu)和1665個(gè)互助性機(jī)構(gòu)，668個(gè)機(jī)構(gòu)將由政府建立，629個(gè)機(jī)構(gòu)通過融資建成，2049個(gè)由非政府資助而成。2 The Major Problems in Our Credit Guarantee System2．1 The structural problem of SME credit guarantee system The major structural problems of SME credit guarantee system are that the government guarantees too much in the institutions and guaranteed loans while private capitalbased guarantee （including mutual guarantee and mercial guarantee)takes a little proportion．In a word．SME credit guarantee is a market phenomenon because it is mainly caused by SME financial difficulties．In the market economy．government exists and operates as a macro—controller and social manager to regulate the market，make and maintain the market rules．Obviously government does not have a constitutional foundation and capability to solve the market problems．What’s more，as SME loans gap is a market phenomenon，the market itself has mechanism．motivation and capacity to solve it．that is to say, private capital gives loan guarantees in the SME loan market．In fact．because of the large quantity and wide—ranged SME．personalized loans demand．a(chǎn)nd everincreasing enterprises annually, it39。不管怎樣，盡管政府擔(dān)保機(jī)構(gòu)作為一個(gè)非盈利機(jī)構(gòu)僅要很低的保險(xiǎn)費(fèi)，但是當(dāng)?shù)刎?cái)政資源和資產(chǎn)是一次性投資。這也導(dǎo)致了現(xiàn)有的從業(yè)人員沒有能力勝任這項(xiàng)工作，擔(dān)保事項(xiàng)基本上局限于長期貸款擔(dān)保,如流通股本,罕見的設(shè)備、技術(shù)創(chuàng)新等。3 Proposals to Perfect Credit Guarantee System improve guarantee industrialization by establishing multimodality guarantee institution according to reality It’s objective and essential for market economy to require guarantee acts to develop guarantee industrialization．According to SME situations at different stages．multi—modality guarantee institutions can be established．Those SME which own weak primitive accumulated capital and scarce funds at the initial stage can be supported by government to be a driven guarantee structure．For other SME which begin to take shape on capital accumulation in rising phase of the development，they can have chosen to bee shareholders and establish private mutual guarantee institutions based on the principle of mutual benefit and mutual assistance．3. 完善中小企業(yè)信用擔(dān)保制度的建議市場(chǎng)經(jīng)濟(jì)發(fā)展擔(dān)保行業(yè)需要實(shí)際行動(dòng)是客觀和關(guān)鍵的，依據(jù)不同國家的中小企業(yè)現(xiàn)狀，可以建立多規(guī)模的擔(dān)保機(jī)構(gòu)，在初步階段政府可以支持那些原始積累資金軟弱基金稀缺的中小企業(yè)成為驅(qū)動(dòng)擔(dān)保結(jié)構(gòu)。中小企業(yè)擔(dān)保業(yè)務(wù),可以直接促進(jìn)自身發(fā)展和增加財(cái)政收入, 因此,中小企業(yè)信用保證基金可以并不只是一次性的。Referencesf l1．XIA0 Yangqing．Economics Thinking on China’S Credit Guarantee System for Small andMedium—sized．Financial Sight，2007，(3)：59(in Chinese)[2]．LI Yanjin．Measures to Improve the SME Credit Guarantee System．Banking Practice，2008，(1)：102(in Chinese)f31．GE W“On the Credit Guarantee System for Small and Medium—sized Problems andCountermeasures．The Contemporary Economy,2008，(1)：1 02(in Chinese)【4]．X1AO Yangqing．SME Credit Guarantee System：The Japanese Experience and Enlightenment．Contemporary Economic Research，2008，(2)：69(in Chinese)344