CAJ | 학술논문

在当前中央政府大力支持中小企业发展的情况下，科技担保可以有效缓解科技型中小企业贷款融资难的问题。分析了当前国内科技担保行业发展的现状，指出我国科技担保现阶段发展存在的问题和障碍，介绍了日本政府和北京市促进担保发展的做法和经验，发现政府支持是这些地区担保机构发展良好的重要因素，并针对国内现状提出了促进我国科技担保发展的相关政策建议。
재당전중앙정부대력지지중소기업발전적정황하，과기담보가이유효완해과기형중소기업대관융자난적문제。분석료당전국내과기담보행업발전적현상，지출아국과기담보현계단발전존재적문제화장애，개소료일본정부화북경시촉진담보발전적주법화경험，발현정부지지시저사지구담보궤구발전량호적중요인소，병침대국내현상제출료촉진아국과기담보발전적상관정책건의。
In the current situation, central government support the development of SMEs, technology can effectively alleviate the SME Guarantee difficult problems.We analyzed the current domestic technology guarantees in the status of development of the industry, pointed out that at the present stage of development of science and technology security problems and obstacles introduced by the Japanese government and Beijing to promote the development of practice and experience guarantees, gov-ernment support is found important to develop good security agencies important factor, and for the domestic status quo guar-antees put forward to promote the development of science and technology relevant policy recommendations.