| 论我国中小企业信贷担保体系的改进 |
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| 引用本文： | 夏天,胡日东,李维刚.论我国中小企业信贷担保体系的改进[J].黑龙江社会科学,2006(1):84-86. |
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| 作者姓名： | 夏天 胡日东 李维刚 |
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| 作者单位： | 1. 华侨大学,商学院,福建,泉州,362021
2. 上海交通大学,安泰管理学院,上海,200030 |
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| 摘 要： | 通过对我国中小企业信贷担保体系的分析,可以看出,最优的中小企业信贷风险分配方式应该是由商业银行与信贷担保机构共同来承担风险.中小企业信贷风险共担的做法能够有效克服信贷担保机构风险过大、商业银行缺乏激励的问题,也可以改善我国中小企业信贷融资难的状况.
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| 关 键 词： | 中小企业 商业银行 信贷担保机构 风险共担 激励效应 |
| 文章编号： | 1007-4937(2006)01-0084-03 |
| 修稿时间： | 2005年9月19日 |
On Improving Small and Medium-sized Enterprises Credit Guarantee System |
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| XIA Tian,HU Ri-dong,LI Wei-gang.On Improving Small and Medium-sized Enterprises Credit Guarantee System[J].Heilongjiang Social Sciences,2006(1):84-86. |
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| Authors: | XIA Tian HU Ri-dong LI Wei-gang |
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| Abstract: | Analysis of the small and medium-sized enterprises credit guarantee makes it clear that the best distribution method of small and medium-sized enterprises credit risk should be to share the risk by commercial bank and the organization of credit guarantee,which can resolve an overplus of risk of the credit guarantee organization,the shortage of the stimulus effect of commercial bank and the small and medium-sized enterprises' finance difficulty. |
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| Keywords: | small and medium-sized enterprise commercial bank credit guarantee organization risk sharing stimulus effect |
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