摘要
融资担保是解决中小企业融资难问题的有效途径,但当前担保机构的发展亦面临着一系列急需解决的问题:担保规模偏低,担保供应面窄;面临"制度"与"市场"的两难境地;相关法律制度不健全,发展环境有待改善;银行与担保机构的不合理风险承担比例;担保机构实力弱;人员素质有待提高,等等。基于此,建议尽快建立健全中小企业信用评级制度;拓宽资金来源渠道,增强担保实力;加强银保合作,充分放大担保资金作用;创新担保业务;加大人才培养力度;加强财政支持力度等。
Financing guarantee is an effective way to solve the financing difficulties of SMEs（small and medium-size enterprises）.However,the current development of guarantee institutions is facing a number of pressing issues.This article is mainly on the understanding of the problems encountered in the development of guarantee institutions.The main problems encountered in the development of guarantee institutions are as follows： low security scale,narrow guarantee supply;faced with the dilemma of the ＂system＂ and ＂market＂;relevant legal system is not perfect,the development environment needs to be improved;banks and guarantee agencies take unreasonable risk ratio;guarantee institutions are not strong enough;personnel quality needs to be improved.Based on this,it is recommended that to establish a sound credit rating system for SMEs as soon as possible;broaden the sources of funds,and enhance the strength of guarantees;strengthen the co-operation of the bank and insurance,fully enlarge guarantee funds role;innovate guarantee business;intensify personnel training;strengthen financial support.
出处
《河北学刊》
CSSCI
北大核心
2013年第1期224-226,共3页
Hebei Academic Journal
关键词
担保机构
中小企业
问题
建议
Guarantee institution
SME
issues
recommendations
