目前,我国的中小企业在市场经济中的位置在如今越发的重要了,对中国经济发展

特别是就业问题的解决起到了很大的推动作用,在我国,中小企业已开始成为国民经济

最重要的组成部分。虽然这些企业目前得到了发展,但其过程中也遇到了瓶颈,那就是

融资问题;本论文以我国目前中小型企业为研究对象,对这些企业的融资问题进行研究,

主要从中小企业融资担保体系的角度出发,结合国外的经验,对我国融资担保体系进行

研究,本文的主要框架包括以下几个部分:

第一,选题背景及研究意义;国内外研究情况;并对其进行理论研究。

第二,对中小企业现行的融资担保体系现状进行分析,研究其发展历程以及发展过

程中存在的问题。

第三,对美国、日本和德国的中小企业融资担保体系进行分析,找出可以借鉴之处。

第四,通过对我国担保体系现状的分析以及国外经验的借鉴,对我国担保体系的建

设提出建议。

关键词:中小企业;担保体系;融资难

ABSTRACT

Small and medium-sized enterprises (SMEs) have been an important part in the national

economy, they play an indispensable role in solving the employment problem. SMEs have

gradually become one of the most important parts of national economy. Despite the good

prospects for development, there are also bottleneck in the development process, among

them, the most concern is the financing problem of SMEs. This paper based on this situation,

conducts the research to our country financing guarantee system mainly from the SME

financing guarantee system point of view, combined with the eqerience of foreign countries.

The main framework of this paper includes the following parts.

The first part introduces the background and significance,the domestic and foreign

research situation and analysis of relevant concepts and theoretical basis.

The second part analyzes the status of SMEs financing guarantee system, in its

development process and the problems in the development process.

The third part carries on the analysis to the United States,Japan and Germany SME

financing guarantee system, find out what we can learn from.

The fourth part put forward suggestions on the construction of China's guarantee system

through the analysis of the present situation of guarantee system in our country and the

experience abroad.

KEY WORDS: Small and medium-sized enterprises; guarantee system;

financing problem