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中小企业是我国经济发展的重要组成部分,为我国经济增长、市场繁荣做出了重要贡献,为国内劳务市场提供了大量就业岗位。然而自金融危机以来,出口及全球经济放缓,中小企业的经营出现了困难,尤以融资难最为突出。由于中小企业自身的特点使其无法在商业银行获得足够的贷款,此时担保机构的介入有助于解决中小企业融资问题,但担保机构自身风险加大,在为中小企业解决融资难问题的同时要加强风险控制。
Small and medium-sized enterprises are an important part of China’s economic development and have made important contributions to China’s economic growth and market prosperity. They have provided a large number of jobs for the domestic labor market. However, since the financial crisis, exports and the global economy have slowed down. SMEs have encountered difficulties in their operation, especially in financing. Due to its own characteristics, SMEs can not obtain sufficient loans in commercial banks. At this moment, the intervention of guarantee institutions can help solve the financing problems of SMEs. However, the risk of guarantee institutions is even greater. At the same time, To strengthen risk control.