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中小企业对一国经济发展的作用愈来愈受到各国的重视,相应的中小企业信用担保体系也受到了经济学家们的关注,对此国外发达国家在该领域采取了很多创新举措,有效地促进了中小企业的发展,一批中小企业迅速成长壮大,成为国家经济发展的基石,直接促进了一国综合实力的提升,带动了国民经济的飞速发展,本文研究了国外发达国家中小企业信用担保领域的制度创新、产品创新和技术创新,对中国中小企业信用担保体系提出相关建议。
The role of SMEs in the economic development of a country has drawn more and more attention from all countries. The corresponding credit guarantee system for SMEs has also drawn the attention of economists, and the developed countries in the world have taken many innovative measures in this field, effectively Promote the development of small and medium-sized enterprises, a group of small and medium-sized enterprises (SMEs) have rapidly grown up and become the cornerstone of the country’s economic development, which has directly promoted the improvement of the overall strength of a country and spurred the rapid development of the national economy. This paper studies the credit guarantee of SMEs in developed countries System innovation, product innovation and technological innovation in the field, and put forward relevant suggestions on the credit guarantee system for SMEs in China.