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中文摘要：
我国中小企业融资担保体系所存在的制度性金融缺陷,将在一定程度上影响我国中小企业融资担保行业的可持续发展,必须通过构建科学高效的金融创新机制来治理缺陷。本文采用实地调查和问卷调查所获得的全国147家融资担保机构的数据,以实证分析当前我国中小企业融资担保体系所存在的制度性缺陷为切入点,提出了构建我国中小企业融资担保体系发展的金融创新机制的战略性思路,为发展和完善中小企业融资担保理论,加快推进我国中小企业融资担保业的科学化发展进程,实现我国中小企业融资担保业的可持续发展提供参考。
英文摘要：
The institutional deficiency which exists in the financing guarantee system of small and medium size enterprises （ SME ） has been an obstacle for further development of the industry of financing guarantee. We should construct scientific and effective framework to address that deficiency. In this paper, we start from empirical study of that institutional deficiency with data of 147 financing guarantee companies obtained from field survey and questionnaire, and put forward strategic thoughts of establishing innovation mechanism for developing the financing guarantee industry which will be of great significance for enriching the theory of financing guarantee and maintaining sustainable development of financing guarantee industry of SME.
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