| 我国中小企业信用担保体系持续发展研究 |
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| 引用本文： | 金玲,杨艳军. 我国中小企业信用担保体系持续发展研究[J]. 中南工业大学学报(社会科学版), 2001, 0(1) |
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| 作者姓名： | 金玲 杨艳军 |
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| 作者单位： | 中南大学工商管理学院!长沙，410083，中南大学工商管理学院!长沙，410083 |
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| 摘 要： | 对我国中小企业信用担保体系的构建动因和发展现状进行分析 ,指出该体系在一定程度上缓解了中小企业融资难、担保难的困境。剖析了阻碍中小企业信用担保体系的 3大发展障碍 ,即认识障碍、法律障碍和社会信用体系的障碍 ,指出中小企业信用担保机构是经营信用风险的具有经济杠杆作用的金融机构。为保证信用担保体系的健康发展 ,建议建立完善的资金支持体系 ,采用优先股的形式引导政府资金进入商业性担保机构 ;健全风险补偿机制 ,强化担保投资的机制 ;规范与完善社会信用体系 ,建立资信评估机构的连带责任制度
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| 关 键 词： | 中小企业 信用担保 经济杠杆 再担保 风险补偿 |
On the sustaining development of credit guarantee system for Chinese small and middle sized enterprises |
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| JIN Ling,YANG Yang jun. On the sustaining development of credit guarantee system for Chinese small and middle sized enterprises[J]. Social Science Journal For Central South University of Technology, 2001, 0(1) |
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| Authors: | JIN Ling YANG Yang jun |
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| Abstract: | Based on analysis of the aim and current situation of credit guarantee system for Chinese small and middle sized enterprises, the system is investigated to ease the difficulties of financing and guaranteeing for small and middle sized enterprises to some extent. The main barriers of development including thoughts, laws and social credit system are proposed. Credit guarantee system is regarded as the financial institution with economical leverage that operates credit risk. In order to assure successful development of the system, firstly, capital system should be established, and government capital should be introduced into commercial guarantee institutions in the form of preferred stock. Secondly, risk compensation system should be developed to strengthen the mechanism of guarantee investment. Thirdly, social credit system should be put straight and developed. Capital and credit rating institution should be responsible for their evaluation results. |
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| Keywords: | small and middle sized enterprises credit guarantee economical leverage re guarantee compensation for risk |
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