基于保证金制度的信用担保体系研究

为解决中小企业融资难问题，文章构建了银行-担保公司-企业合作加政府支持的信用担保体系，使银行、担保公司、企业和政府通过担保费账号连接在一起，通过模拟期货保证金账号管理方法实现了保证金盯市制度。该模式降低了商业银行对中小企业贷款的信用风险，同时中小企业得到了所需的低成本资金，从根本上解决了我国中小企业融资难的问题。

Study on credit guarantee system based on margin system

Abstract:Aiming at solving the problem in SMEs financing, a government-supported credit guarantee system is constructed in the study by the bank, guarantee company and business cooperation, which links the bank, guarantee company, SMEs and government through the guarantee fee account. Margin mark-to-market system is achieved through simulating the future margin account management method. This mode not only reduces the credit risk of commercial bank loans to SMEs but also makes SMEs to get the low-cost funds. Thus this mode is a fundamental solution to the issue of SMEs financing.