摘要
中小企业信用担保对于破解融资问题的关键点在于能否大幅度降低融资过程中的交易成本。现阶段,以政策性信用担保机构为主体的中小企业信用担保模式难以获得持续发展。互助式信用担保模式在这方面具有相对优势,应成为信用担保机构的基础形式。创新现有互助式担保模式的运行规则,可以缓解互助者之间的利益冲突,优化互助担保效果。创新的重点是信用担保体系的分工原则、担保机构的自我发展机制以及财政资金的投入方式。
The key point of the small and medium-sized enterprises credit guarantee in solving the financing problem is whether it can greatly reduce the transaction costs in the process of financing or not.At the present,as the main part of small and medium-sized enterprise credit guarantee model,policy-type credit guarantee agencies is difficult to achieve sustainable development.In this respect,the mutual credit guarantee mode which has a comparative advantage should become the basic form of credit guarantee institutions.The innovation of the existing model of collaborative guarantee operation rules can relieve the conflicting interests of mutual aid,optimize the mutual guarantee results.Innovation should be focused on the credit guarantee system of the principle of labor division,self development mechanism of guarantee agencies and in-put mode of government fund.
出处
《武汉理工大学学报（社会科学版）》
CSSCI
2015年第5期929-935,共7页
Journal of Wuhan University of Technology:Social Sciences Edition
基金
广西财经学院2015年度科研课题(2014A006)
南宁市社会科学界联合会项目(南社联发(2013)9号)
关键词
信用担保
中小企业
融资
互助式信用担保模式
credit guarantee
small and medium-sized enterprise
financing
the mutual credit guarantee mode
