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本文阐述了我国经济市场中中小型企业的自身特点以及围绕中小企业信用担保贷款而开展的信用担保机构与银行合作的现状,通过对现象的分析总结了我国信用担保行业发展,担保机构与银行合作两方面所存在的诸多问题,并针对所发现的问题,从完善市场环境,壮大担保机构,提高银行合作的主动性三个方面提出了几点建议。
This article expounds the characteristics of small and medium-sized enterprises in the economic market of our country and the status quo of the cooperation between the credit guarantee institutions and banks around the credit guarantee loans for SMEs. Through the analysis of the phenomena, the development of China’s credit guarantee industry is summarized, and the cooperation between guarantee agencies and banks In the light of the problems found in the two aspects, some suggestions are put forward in terms of perfecting the market environment, strengthening the guarantee institutions and enhancing the initiative of bank cooperation.