協助中小企業融資及信保之研究

A Study on Financing and Credit Guarantee Assistance for Small and Medium-Sized Enterprises (SMEs)

中小企業為我國經濟發展之命脈，資金是企業繼續經營，持續發展的「能源」與「動力」，一般而言，中小企業的經濟規模與有形資產相對於大企業明顯不足，較不易自金融市場取得資金，亟需政府加強融資輔導及信用保證協助，如何協助中小企業積極改善經營體質，提升競爭力，展現出企業活力，已成為政府當前施政重要課題。本研究的目的有三，其一探討我國中小企業發展概況、融資與信保執行情形、因應金融海嘯之措施及產創條例與ECFA對中小企業之影響；其二彙析美國、日本及南韓對中小企業的融資與信保協助機制，因應金融海嘯之措施；最後針對目前我國所面臨的問題，美國、日本及南韓可供我國借鏡之處，提出結論與建議，以供政府相關單位參考。

While small and medium-sized enterprises (SMEs) have long been the lifeblood of economic development in Taiwan, it is financing that supplies the “energy” and “driving force” for enterprises to sustain operation and continuously develop. Generally speaking, SMEs conspicuously lack both economic scale and tangible assets compared to larger enterprises, and find it harder to raise funds in the capital markets. Hence, there is urgent need for the government to strengthen financing support and credit guarantee assistance for SMEs. Toward this end, the government is currently laying stress on formulating policies to help SMEs actively improve their business operation, lift their competitiveness, and display their enterprise vitality. There are three main purposes of this study: First, to provide an overview of the development of SMEs in Taiwan, the current status of financing and credit guarantees for such enterprises, measures taken to cope with the 2008 financial crisis, and the impact of the Industrial Innovation Act and ECFA on SMEs; second, to examine financing and credit guarantee support mechanisms for SMEs in the US, Japan and South Korea, and measures in those countries for responding to the financial crisis; and third, drawing lessons from the US, Japan and South Korea where applicable, to provide recommendations for our government policy makers on how to address problems currently faced in Taiwan.