目录
一、融资担保的作用及我国融资担保行业的发展…………….. 2
（一）融资担保的作用……………………………………………. 2
（二）我国融资担保行业发展及体系建立……………………………… 3
三、湘潭市中小企业融资担保行业存在的差距和不足…………. 7
（一）担保资金来源单一………………………………………….. 8
（二）担保资金规模小……………………………………………. 8
（三）担保行业种类单一………………………………………….. 8
（四）担保行业担保放大倍数有限…………………………………… 8
四、影响湘潭市中小企业融资担保行业发展的其他因素………… 9
（一）加大担保行业的建设力度……………………………………. 10
（二）继续壮大政策性担保行业的建设………………………………. 10
（三）适当鼓励商业性担保行业和互助性担保行业的发展………………… 10
（四）适当扩大担保放大倍数……………………………………… 11
（五）适当放宽对担保行业保费的限制………………………………. 11
（六）完善中小企业担保行业的风险补偿机制…………………………. 11
摘要：中小企业在国家经济生活中占有重要的位置。中小企业在增长国民经济、繁荣市场、调整经济结构、创新技术、提高工作效率、扩大就业水平和构建和谐社会上发挥了重要作用。然而中小企业的融资难问题也非常突出，为解决中小企业的融资困境，各国都大力发展中小企业融资担保体系。
本文首先阐述了中小企业融资和融资担保的相关理论，分析了湘潭市中小企业融资担保行业的现状和存在的差距与不足，以及影响担保行业发展的其他因素的分析；然后根据分析的结果得出结论，并提出建议。
关键词：：融资；担保；担保行业
Abstract: the small and medium-sized enterprises in the national economic life occupies an important position. Small and medium-sized enterprises in the growth of national economy, the prosperity of the market, adjust economic structure, innovative technology, improve work efficiency, enlarge obtain employment standards and building a harmonious society plays an important role in. However, the financing problem of SMEs is very outstanding also, in order to solve the financing predicament of small and medium enterprises, countries are vigorously the development of small and medium enterprises financing guarantee system.
This article first elaborated the small and medium-sized enterprise financing and financing related theory, analysis of the Xiangtan city small and medium-sized enterprise financing guarantee institutions of the status quo and the existing gaps and inadequacies, and the influence of the development of guarantee agencies other factors analysis; according to the result of the analysis conclusion, and puts forward some suggestions.
Key words: financing; guarantee; guarantee mechanism
