中文摘要：

促进中小企业发展，需要构建一个集信用评估、保险和担保于一体的信用风险补偿机制。按照一定的模式和原则运作，信用风险补偿机制将在提高中小企业的竞争力、促进社会信用体系的发展、维护经济稳定等方面发挥重要的作用。

英文摘要：

In order to improve development of small ＆ medium enterprises, it needs to build a kind of credit risk compensation system which gathers credit comparison, insurance and guarantee. Operating according to certain modes and principles, the credit risk compensation system will promote small ＆ medium enterprises＇ competitive power, improve social credit system and stabilize macro-economy.