| 论信贷风险担保的性质与功能 |
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| 引用本文： | 胡铁华,仲伟周.论信贷风险担保的性质与功能[J].西安石油大学学报(社会科学版),2003,12(1):18-20,36. |
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| 作者姓名： | 胡铁华 仲伟周 |
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| 作者单位： | 西安交通大学,管理学院,陕西,西安,710049 |
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| 基金项目： | 国家自然科学基金委优秀研究创新群体资助项目“复杂多变环境下的组织变革与管理创新研究”(批准号为 70 12 10 0 1)的阶段性研究成果 |
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| 摘 要： | 西方发达市场经济国家或地区的经济发展表明，信贷风险的担保机制对金融信贷质量提高与宏观金融稳定具有非常重要的决定作用。然而我国对信贷风险担保不仅在理论研究上是空白，而且在实践上也很少应用，因此，我国的信贷质量低下。本文在充分剖析了信贷风险担保的性质与功能的基础上，揭示了我国推广应用信贷风险担保机制的客观必然性。
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| 关 键 词： | 信贷风险 担保 性质 功能 构建 |
| 文章编号： | 1008-5645(2003)01-0018-03 |
Surety for Credit Risks: Nature, Function and Formation |
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| HU Tiehua,ZHONG Weizhou.Surety for Credit Risks: Nature, Function and Formation[J].Journal of Xi‘an Shiyou University:Social Science Edition,2003,12(1):18-20,36. |
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| Authors: | HU Tiehua ZHONG Weizhou |
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| Abstract: | The economic development of western countries and regions with developed market economy has shown that surety mechanism for credit risks has played a very important role in improving credit quality and stablizing macro-finance.But in China there have been a theoretical gap and few practical applications in regard to credit risk surety and thus the credit quality in China has been inferior.In this paper,the objective necessity of applying the mechanism for credit risk surety in China is revealed after a thorough analysis is made of the nature and function of credit risk surety. |
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| Keywords: | credit risk surety nature and function formation |
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