中小企业信用担保制度安排的经济金融绩效实证研究

The SMEs has been an indispensable force in driving China's national economy. With the emerging of "buyer's market", globlization and China's entering WTO , however, development prospects of SMEs have been challenged..To help smaller competitors survive, the central government has announced a series of polices in support of the SMEs. The credit guarantee system is an important component of that. Because the credit guarantee system is a newly emerging thing, its mechanism and strategy need to be researched and developed. In this paper we deeply analyze the characteristics of the SMEs in Zhejiang province, compare the characteristics of credit guarantee systems with other countries, and present the suggestion about establishing a sustainable credit guarantee system for SMEs in Zhejiang province.This paper has six parts:.Part one is the introduction that includes the reason to select this topic to research, a review of related researches, methodology, date resource of the research etc.Part two is the analysis of the characteristics of SMEs and its regular pattern of fund raising, deduce the thesis that SMEs need credit guarantee.Part three is the analysis of pattern of fund raised for SMEs in Zhejiang province and their demand for credit guarantee.Part four is the analysis of the achievement of the credit guarantee system for SMEs in Zhejiang province and the supply of credit guarantee.Part five giving the multi-perspective analyses of the problems which challenged the sustainability of the credit guarantee system in Zhejiang province, based on the investigation on the practices of the system in Zhejiang province and the analysis of contradiction between demand and supply of credit guarantee.Finaly, in order to construct a sustainable credit guarantee system for SMEs in Zhejiang province., this paper presents four countermeasures: First, it is important to make a law for the system, and the government should strenthen. support,regulation and supervision.Second and third, this paper suggests establishing the mechanism about risk share and management in the system. At last, this paper suggests enlarging the scale of guarantee,establishing reguarantee system to further lower the risk..

分析我国试点推广中小企业信用担保制度对促进中小企业融资发展的实际绩效，总结中小企业现有信用制度安排的经验与问题，探讨进一步完善我国相关政策措施的可行途径和办法，为提高中小企业信用担保制度运行效果和效率，为保证中小企业从商业银行和金融市场取得可持续发展所必需的资本，提高科学的理论和决策依据。.