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融资困难一直是制约我国小企业发展的一大“瓶颈” ,建立小企业信用融资担保体系 ,是为小企业提供金融支持的一个关键。由于信用担保在我国尚属新生事物 ,加之其复杂的经济关系背景 ,因此 ,在小企业融资信用担保体系的建设上需要处理好以下问题 :( 1)打消出资人精神包袱 ;( 2 )选择规范的信用担保体系 ;( 3 )明晰信用担保体系的产权 ;( 4 )建立严格的准入制度 ;( 5 )地方政府与小企业融资担保计划的关系问题。
Financing difficulties have always been a “bottleneck” that restricts the development of small enterprises in our country. Establishing a guarantee system for credit financing for small enterprises is a key to providing financial support to small enterprises. Because credit guarantee is still a new thing in our country, combined with its complex background of economic relations, the following problems need to be solved in the construction of credit guarantee system for small business financing: (1) to dispel investor's spiritual burden; (2) (3) clarify the property rights of the credit guarantee system; (4) establish a strict access system; and (5) the relationship between the local government and the SME financing guarantee scheme.