我国中小企业信用担保体系问题研究.doc

我国中小企业信用担保体系问题研究——以温州中小企业资金链断裂事件为例摘要：随着中国的经济体制的改革我国的中小企业成为推进国民经济发展的主要力量也变得越来越促进地区经济增长是扩大就业的主要载体。本文主要从中小企业信用担保体系的相关理论基础、经济学解释出发阐述了我国实行中小企业信用担保体系的必要性然后分析了我国中小企业信用担保体系的现状归纳出其中存在的问题同时通过对温州地区的中小企业信用担保体系进行了研究通过温州中小企业资金链断裂的现实情况如何防范资金风险维护资金安全成为社会关注的热点问题文章以温州中小企业为分析对象结合此地区的特殊情况分析资金链断裂的成因及中小企业管理中存在的问题并针对发现的问题提出相应的对策。并对中小企业信誉担保中出现的问题进行分析进而得出建立健全我国中小企业信用担保体系的对策。关键字：中小型企业；信用担保；温州；资金链断裂Ofthesmallandmedium-sizedenterprisecreditguaranteesystemresearchWenzhousmallandmedium-sizedenterprisefunds-tochainruptureeventsforexampleAbstract：AsChina'seconomicsystemreformthemediumandsmallenterprisesinChinabepromotingthedevelopmentofnationaleconomyofmainpoweritalsobecomesmoreandmoreeconomicgrowthinChinaisthemaincarrierofexpandingemployment.Thisarticlemainlyfromthesmallbusinesscreditguaranteesystemofrelevanttheoreticalbasisexplainofeconomicsthispaperexpoundstheourcountryexecutescreditguaranteesystemthenecessityofsmallandmedium-sizedenterprisesinChinaandanalyzesthepresentsituationofcreditguaranteesystemsummarizedtheproblemsandatthesametimethroughinwenzhousmallandmedium-sizedenterpriseofcreditguaranteesystembywhichtheresearcherswenzhousmallandmedium-sizedenterprisecapitalchainrupturetherealityofthesituationhowtopreventcapitalriskmaintainthesafetyoffundhasbecomeahotsocialconcernproblemsthearticleanalyzedobjectsforwenzhousmallandmedium-sizedenterprisescombinedwiththeareaofthespecialconditionsanalysisthecausesofthecapitalchainruptureandsmallandmedium-sizedenterprisetheproblemsexistinginthemanagementandinthelightoftheproblemsfoundputforwardthecorrespondingcountermeasures.Andthesmallandmediumenterpriseprestigeguaranteeinanalysisandaconclusionthatthesmallandmedium-sizedenterprisesinChinatoestablishandperfectthecreditguaranteesystemcountermeasures.Keyword:smallandmediu