CAJ | 학술논문

当前，担保机构在缓解中小企业融资难方面发挥了重要作用。本文在时陕西省担保行业全面调查的基础上．从担保行业自身行为、银保合作、政府政策支持、外部信用环境等方面分析了担保行业存在的主要问题。并提出培育和规范担保行业发展的相关建议。
당전，담보궤구재완해중소기업융자난방면발휘료중요작용。본문재시합서성담보행업전면조사적기출상．종담보행업자신행위、은보합작、정부정책지지、외부신용배경등방면분석료담보행업존재적주요문제。병제출배육화규범담보행업발전적상관건의。
At present, guarantee institutions have become the new force to alleviate the difficulties of small and medium-sized enterprises in financing. On the basis of the comprehensive investigation on the guaranty industry in Shaanxi province, the paper analyzes the problems of guaranty industry fi＇om the following aspects such as guaranty industry＇s own activities, cooperation between banks and insurance companies, government policy support and external credit environment, and brings forward the relevant recommendations to cultivate and regulate the development of guaranty industry.