中小企业信用担保制度,作为一项有效的融资支持手段,许多国家广泛采用。从各国的情况来看,中小企业信用担保制度主要包括两种形式:一种是由政府部门出资设立的信用保证制度;另一种是由中小企业自发成立的互助担保制度。一、政府信用保证制度政府信用保证制度,是指由政府设立一定的机构,专门负责对中小企业的信贷担保工作,所需费用主要由政府负责。采用这一制度的代表性国家和地区有美国、日本、加拿大、马来西亚、我国的台湾等。下面以美国为例简要介绍政府信用保证制度的运作。美国小企业贷款担保计划,是一项为那些难以从正常渠道获得资金的小企业提供贷款、担保贷款和风险投资的援助计划。负责执行和管理该计划的政府机构是小企业管理局(简称 SBA)。美国的大部分银行和部分非银行金融机构参与了这一计划,其中 The credit guarantee system for SMEs has been widely adopted by many countries as an effective means of financing support. From the perspective of each country, the credit guarantee system for SMEs mainly consists of two forms: one is the credit guarantee system funded by government departments, and the other is the mutual-aid guarantee system spontaneously established by SMEs. First, the government credit guarantee system The government credit guarantee system refers to the government to set up a certain body, specifically responsible for the credit guarantee for SMEs, the main cost required by the government. The representative countries and regions adopting this system are the United States, Japan, Canada, Malaysia, Taiwan of our country and so on. Take the United States as an example to briefly introduce the operation of the government credit guarantee system. The U.S. Small Business Loan Guarantee Scheme is a program of assistance to provide loans, secured loans and venture capital to small businesses that find it difficult to secure funds from regular sources. The government agency responsible for implementing and managing the plan is the Small Business Administration (SBA). Most U.S. banks and some non-bank financial institutions are involved in this project