摘要
在国家和政府出台鼓励政策的前提下,国内中小民营企业发展迅速,但由于
经济环境的影响和先天存在的问题,融资难和贷款难也随之成为了中小民营企业
在发展中面临的两大困境,而造成如此境况的根源却是担保难。那该如何解决担保
难这一问题呢其重要手段之一便是对中小民营企业的融资担保模式进行研究和
探索,以经济理论为依托,进而以创新思路来构建中小民营企业中融资担保的有
力模式。然而,根源虽找到,但我国中小民营企业的担保机构在发展水平上与发
达国家和地区的同行业却明显存在着很大差距。追其原因,除了时间短、资金匮
乏、支持力度不够、发展时间有限,专业人才储备不足外,中小民营企业管理粗
放,经营方式单一,社会认知和接受度不够,社会信用体系不健全,相关法律未
建立等严重拖缓了其发展的步伐。

通过理论分析和实证研究,本文将进一步分析中国中小民营企业融资难的问
题,通过对国内外先进担保模式的分析,提出了一种适合中国中小民营企业的新
型担保模式,通过对云南HB集团融资担保项目进行案例分析,本文分析了互助担
保和商会联贷联保的融资担保模式,主要方向是其在企业发展中的的可行性和有
效性。

关键词:中小民营企业,融资担保,改进模式,经济理论
STUDY ON FINANCING GUARANTEE OF CHINESE
SMALL AND MEDIAM-SIZED PRIVATE ENTERPRISES
ABSTRACT
Under the supporting of government policy , Chinese small and medium-sized
private enterprises grow fast nowadays. Most of them are facing financing and getting
loans difficulties as it is hard for them to solve the guarantee problem.In order to solve
this problem,the current situation of financing guarantee mode need to be studied and
the new mode should be foundedparing with Japan and western countries ‘s
guarantee institutions which designed to serve the small and medium-sized private
enterprises. Chinese guarantee institutions still in the developing process lacking of
experience funding, policy supporting and human resources are widely existed.What's
more, Chinese small and medium-sized private enterprises are extensive in management
and remain single operation mode and simple marketing methods.All of this adds to the
law and social credit problem make it even hard for Chinese small and medium-sized
private enterprises to get loans and investment.
Through theoretical analysis and case study, this paper will further analyze the
current financing and getting loans difficulties for the Chinese small and medium-sized
private enterprises. By smdy the sophisticated mode and theory of guarantee system
both in China and abroad, this paper will introduce a updated guarantee mode which
suit for Chinese small and medium-sized private enterprises.
Take Yunnna HB Group as an example, this paper will introduce chamber of
commerce mutual Guarantee mode (peer-selection mode) and illustrate the the
practicality and efficiency of this new updated guarantee mode.
KEY WORDS :Chinese small and medium-sized private enterprises,
Financing guarantee ,The improved mode,Economic theoretical