辅助性金融机构发展与中小企业融资改善:台湾地区的经验与借鉴  

The Development of Complimentary Financial Institutions and the Improvement of Financing Situation in SMEs: Experience and Enlightenment from Tai Wan

作　　者：余文建[1] 邓蒂妮[1] 

机构地区：[1]中国人民银行南宁中心支行,广西南宁530021

出　　处：《上海金融》2008年第8期81-84,共4页Shanghai Finance

摘　　要：我国台湾地区通过发展中小企业信用保证基金、农业信用保证基金、华侨贷款信用保证基金等辅助性金融机构,对改善中小企业融资发挥了较好的作用。中国大陆中小企业信用担保体系目前还存在着机构规模小、资金实力不足、相关制度缺位等不足之处。可借鉴台湾地区辅助性金融机构的经验,由国家财政和金融机构捐资,根据不同类型的中小企业设立全国性的专项担保基金,分别为不同类型的中小企业贷款提供信用保证。The development of complimentary financial institutions, which include SMEs credit guarantee fund, agricultural credit guarantee fund and overseas Chinese credit guarantee fund, is helping improve the financing situation in SMEs. Given the difficulties Chinese mainland SMEs are confronted with, we should look up to Tai Wan＇s experience, and set up specific guarantee funds donated by fiscal budget and financial institutions to provide credit guarantee for different types of SMEs.

关 键 词：中小企业 融资 担保 

分 类 号：F832.39[经济管理—金融学]