【正文】 。應(yīng)該建立動(dòng)態(tài)的，開放的保障基金發(fā)展機(jī)制。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”。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。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。總之，中小企業(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。占總數(shù)的29%。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)。建立中小企業(yè)信用保證基金及其輔助系統(tǒng)。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。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。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。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)。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)。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(dòng),提供作為餐桌上的資金來源