改革开放以来,我国中小企业发展速度加快,中小企业在国民经济中的地位和作用日益增强。有关统计资料表明,我国中小企业占全部企业户数的98%以上,工业总产值的60%以上,实现利税的40%左右,90年代以来的经济快速增长中,工业新增产值的76.7%是由中小企业创造的。但中小企业发展中也遇到了许多问题,较为突出的是融资难问题。本文试图通过对美国、日本等发达国家中小企业信用担保体系运作经验进行分析的基础上,对建立我国的中小企业信用担保体系作些探讨。 Since the reform and opening up, the development of SMEs in China has accelerated, and the status and role of SMEs in the national economy have been increasingly strengthened. Statistics show that SMEs account for more than 98% of all enterprises, over 60% of total industrial output value and about 40% of profits and taxes. Of the rapid economic growth since the 1990s, 76.7% of newly added industrial output was Created by SMEs. However, many problems have also been encountered in the development of SMEs. The more prominent ones are the financing difficulties. This paper attempts to discuss the establishment of China’s SME credit guarantee system based on the analysis of the operating experience of the SME credit guarantee system in the United States, Japan and other developed countries.