摘要
科技型中小企业由于资产规模小、风险高、财务管理差、经营不稳定以及资金周转率低等缺陷,有比其它行业企业融资相对更困难的问题,其重要的原因是科技型中小企业融资担保体系不完善。本文分析了当前科技型中小企业担保主要有政策性担保、互助式担保、商业担保、各类联合担保几种模式,并指出了科技型中小企业担保体系内部存在信息不对称、企业和担保体本身的缺陷等问题,最后提出了完善科技型中小企业担保体系的措施建议。
Due to the small asset size, high risk, poor financial management, instability of operating cash flow and low turnover rate , the technology-based small and medium-sized enterprises （TSMEs） is relatively more difficult to finance than other enterprises, and the important reason is that TSMEs financing guarantee system is imperfect. This paper analyzes that the current TSMEs financ!.ng guarantee models are as follows： policy guarantee, mutual guarantee, commercial guarantee and several other types of joint guarantee models, and that the TSMEs guarantee system exists problems as follows： asymmetric information, the defects of guarantee agency and TSMEs. Finally , this paper proposes measures to make TSMEs guarantee system perfect.
出处
《浙江金融》
北大核心
2011年第12期34-37,共4页
Zhejiang Finance
