试论我国中小企业信用担保的法律构建.doc

摘要：改革开放以来，我国中小企业发展迅速，日益成为国民经济的重要力量，对于推动国民经济发展、解决就业、增加税收和稳定社会具有重大意义。近年来，中小企业信用担保机构发展迅速，担保资金增加，业务能力增强，服务领域拓展，企业和社会效益显著，为缓解中小企业融资难，促进地方经济发展发挥了重要作用。然而，当前我国中小企业信用担保法律体系的构建还面临着许多问题，由于我国中小企业信用担保法律体系不完善，造成广大中小企业在融资、扩大生产经营范围、防范风险等方面存在很大缺陷。本文从我国中小企业信用担保法律构建的必要性出发，分析我国中小企业信用担保法律构建存在的主要问题，借鉴国外中小企业信用担保法律构建的经验，提出完善我国中小企业信用担保法律构建的建议。

关键词：中小企业；信用担保；信用法制；风险控制

Abstract:In China, small and medium-sized enterprises with rapid development have been the main force of national economy since reformation and opening, and they are of great significance to promote the development of the national economy, solve obtain employment, increase revenue and social stability. In recent years, the credit guarantee institutions of small and medium enterprise have been developed rapidly, and the guarantee funds have been increased. What’s more, the ability of business has been strengthened, and the service areas have been expanded. Thus, it’s very good to alleviate the financing difficulties of small and medium-sized enterprises, and promote local economic development. However, the credit guarantee legal system construction of small and medium enterprises is faced with many problems. The reasons are as follow: credit guarantee legal system of small and medium enterprises is not consummated, which causes a huge flaw when small and medium enterprises are in financing, expanding the scope of production and management. The thesis is starting from the necessity to build the credit guarantee legal system construction of small and medium enterprises in China，analysis their inadequacies，learn from the experience of foreign，and put  some advices to consummate the credit guarantee legal system construction of small and medium enterprises in China.

Key Words：small and medium-sized enterprises；credit guarantee；credit legal system；risk control

　　　信用担保与保证一词同义，指第三人和债权人约定，当债务人不履行其债务时，由第三人按照约定履行债务或承担责任的担保方式。而中小企业信用担保则是主体和担保内容特定化了的信用担保，即是指由制定部门审核设立并依法登记注册的中小企业信用担保专门机构与银行等金融机构约定，当被担保人不履行或不能履行主合同约定的债务时，由担保机构按照约定履行债务或承担责任的行为。一般将其理解为一种信誉证明和资产责任结合在一起的金融中介行为，可以排除中小企业向金融机构融资时担保机构对中小企业融资的风险，促进融资交易的发生，进而优化金融结构。