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信贷是中小企业主要的融资方式和发展推手,由于缺少足值抵押担保物,中小企业很难迈过商业银行的审批门槛。如何破解这一老大难问题,关键在于弥补制度短板。可借鉴中国台湾信保基金的成功经验,从宏观、微观层面完善信用担保融资机制,增加中小企业贷款可获性,发挥其在创新、增加就业方面的积极作用。台湾中小企业信用保证基金经验借鉴台湾在解决中小企业融资难问题上进
Credit is the main mode of financing for SMEs and the promoter of development. Due to the lack of a full-fledged collateral, it is very difficult for SMEs to step through the approval thresholds of commercial banks. How to crack the crux of the problem, the key is to make up for the short board. We can learn from the successful experience of China Taiwan Trust and Protection Fund and improve the credit guarantee financing mechanism at the macro and micro levels to increase the availability of loans to SMEs and give play to their positive role in innovation and employment enhancement. Taiwan’s SME Credit Guarantee Fund Experiences Learned from Taiwan in Solving the SME Financing Problem