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'seconomicsystemreform,themediumandsmallenterprisesinChinabepromotingthedevelopmentofnationaleconomyofmainpower,italsobecomesmoreandmoreeconomicgrowthinChina,isthemaincarrierofexpandingemployment.Thisarticlemainlyfromthesmallbusinesscreditguaranteesystemofrelevanttheoreticalbasis,explainofeconomics,thispaperexpoundstheourcountryexecutescreditguaranteesystem,thenecessityofsmallandmedium-sizedenterprisesinChinaandanalyzesthepresentsituationofcreditguaranteesystem,summarizedtheproblems,andatthesametimethroughinwenzhousmallandmedium-sizedenterpriseofcreditguaranteesystem,bywhichtheresearcherswenzhousmallandmedium-sizedenterprisecapitalchainrupturetherealityofthesituation,howtopreventcapitalrisk,maintainthesafetyoffund,hasbecomeahotsocialconcernproblems,thearticleanalyzedobjectsforwenzhousmallandmedium-sizedenterprises,combinedwiththeareaofthespecialconditionsanalysisthecausesofthecapitalchainrupture,andsmallandmedium-sizedenterprisetheproblemsexistinginthemanagement,andinthelightoftheproblemsfoundputforwardthecorrespondingcountermeasures.Andthesmallandmediumenterpriseprestigeguaranteeinanalysis,andaconclusionthatthesmallandmedium-sizedenterprisesinChinatoestablishandperfectthecreditguaranteesystemcountermeasures.Keyword:smallandmedium-sizedenterprises;Creditguarantee;Wenzhouwenzhou;CapitalchainruptureIII目录1引言....................................................................11.1研究背景.........................................................11.2研究目的及意义...................................................11.3文献综述.........................................................12中小企业信用担保体系相关理论及分析......................................22.1信用的概念.......................................................22.1.1信用的解释.................................................22.1.2信用的经济含义及功能.......................................32.2中小企业的现状...................................................32.3担保体系的概念及现状.............................................42.3.1担保体系的概念及三种运行模式...............................42.3.2担保体系在我国发展存在的问题...............................52.3.3担保体系对中小企业的影响...................................63担保体系下企业信用问题现状及分析.......................................63.1企业内部因素.....................................................73.1.1信用理念不深............................
