一、中小企业信用担保体系发展的国际经验(一)美国1953年,美国政府颁布《小企业法》,并依法成立小企业管理局(Small Business Administration,SBA)。SBA是承担为小企业提供融资担保职能的政府下属办事机构。目前,SBA约有4000多名工作人员,总部设在华盛顿,在十大城市设有分局,下设100多个分支机构,分布于美国各地。SBA具有完备且独立的工作体系,其局长由总统任命,直接 First, the international experience of the development of SME credit guarantee system (A) the United States 1953, the U.S. government promulgated the “Small Business Law” and the establishment of the Small Business Administration (Small Business Administration, SBA). SBA is a government subordinate agency that undertakes the functions of financing guarantee for small businesses. Currently, SBA has about 4,000 staff members and is headquartered in Washington DC. It has branches in 10 major cities and more than 100 branches located throughout the United States. SBA has a complete and independent work system, the director appointed by the president, directly