我国中小企业信用担保体系的国际借鉴——以日本为例  

Establishing China's SMEs Financing Guarantee System:Japan's Experience

作　　者：王丽珠[1] 

机构地区：[1]山西财经大学财政金融学院

出　　处：《国际金融研究》2009年第7期87-96,共10页Studies of International Finance

摘　　要：在当前金融危机的背景下,随着中小企业的大量倒闭,各国深受严重失业所带来的困扰。中国作为一个人口大国,中小企业的发展是事关亿万民众安居乐业、社会稳定的大事,而融资难则是长期以来制约中小企业发展的"瓶颈",其根源就在于我国尚缺乏针对中小企业融资的完善的担保体系。日本素有"中小企业王国"之称,在世界各国中,日本是最早开始建立中小企业信用担保体系的国家,在长期的社会经济发展实践中,探索并建立起较为完善的中小企业信用担保体系。本文在详细分析日本中小企业担保体系的特点和运作方式的基础上,总结并提出可供我国借鉴的方法和经验。Against the backdrop of ongoing financial crisis, and with increasing bankruptcy of small and medium-sized enterprises （SMEs） , all countries are perplexed by serious unemployment. As a country with large population, development of SMEs plays an important role in promoting residents＇ living standard and social stability in China. However, for a long time, financing difficulty has been the ＂bottleneck＂ , which is resulted by the lack of perfect guarantee system for the SMEs, restricting their developments. Japan, ＂ the kingdom of the SMEs＂ , is among the fn＇st ecnomy that established credit guarantee system in the world, has built up a relatively perfect guarantee system for the SMEs in its long-term practice. This paper puts forward some approaches and experience for China＇s reference based on analyzing the features and operational mode of the guarantee system for SMEs in Japan.

关 键 词：中小企业 信用担保 中小企业担保体系 日本信用保证协会 

分 类 号：F831[经济管理—金融学]