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在政府的积极推动下,历经10多年的发展,我国的担保获得了蓬勃发展,担保机构数量急剧增加,担保资金也日益增大;但另一方面,中小企业贷款难却未见改观,反而愈发严重,信用担保并未起到中小企业救星的作用。产生这样问题的原因不单纯是中小企业信用担保机构的问题,因为中小企业信用担保体系的有效运转以及成功发挥作用,要涉及中小企业自身、商业银行、政府及社会环境等诸多因素。
With the active promotion of the government, after more than 10 years of development, our country’s guarantees have grown vigorously, the number of guarantee institutions has increased dramatically, and the guarantee funds have also increased. However, on the other hand, SME loans have been difficult to improve but have become worse. Seriously, credit guarantees did not play the role of SME savior. The reason for this problem is not simply the issue of the SME credit guarantee agency. Because the effective operation of the SME credit guarantee system and the successful functioning of the SME credit guarantee system involve SMEs themselves, commercial banks, the government and the social environment and many other factors.