摘要
小微企业融资合作联盟作为一种融资合作平台,在增信机制的作用下,有效整合政府部门、金融机构、担保机构和小微企业等各方资源,架起金融机构、担保机构与小微企业交流与沟通的桥梁,产生信用叠加效应,形成政府助保、机构担保、企业互保的"三合一"集合担保模式。创新适合小微企业特点的金融产品,提升为小微企业的金融服务能力,实现银行、担保与企业共同发展,对于缓解中小企业融资困局具有现实的意义。
The alliance of small micro-enterprise financing as a financing platform for cooperation, stimulated by trust mechanism, effectively integrates resources from all sources of government departments, financial institutions, guarantee agencies and small micro- enterprises, building a communication bridge among financial institutions, guarantee agencies and small micro-enterprises, resulting in credit superposition effect and a collection of the guarantee model, ＂ triple play＂ , that is to say, government＇s help, institutional guarantees, mutual insurance by enterprises. This paper believes that it is of significance for small and medium enterprises to get rid of a difficult situation through innovating financial products suitable for small micro-enterprise characteristics, upgrading small micro-enterprises financial service capabilities, realizing the common development of bank, guarantee and enterprises.
出处
《当代经济管理》
2012年第10期79-82,共4页
Contemporary Economic Management
基金
2012年度国家自然科学基金青年项目<金融创新收益独占性问题研究>(71103045)
广东省哲学社会科学"十二五"规划2011年度项目<金融结构转型期广东地方金融监管研究>(GD11CYJ04)
2011年中央财政专项资金<金融学省级重点学科建设项目>资助
广东省高校高层次人才项目(2010)
关键词
小微企业
融资合作联盟
集合担保
风险控制
small and micro-enterprises
financing alliance
collection guarantee
risk control
