CAJ | 학술논문

贷款风险补偿等性质的金融类准公共产品,由于实施过程中诸多因素的限制并未发挥应有的效用。青岛市小企业贷款风险补偿制度由前期的集中于对担保公司和大企业的风险补偿设计,逐步演变为差别性置换银行不良资产的独特风险补偿机制,实现了小企业贷款风险补偿供给效用目标的准确性,发挥了金融类准公共产品供给的有效性及其可持续性,具有较好的借鉴意义。
대관풍험보상등성질적금융류준공공산품,유우실시과정중제다인소적한제병미발휘응유적효용。청도시소기업대관풍험보상제도유전기적집중우대담보공사화대기업적풍험보상설계,축보연변위차별성치환은행불량자산적독특풍험보상궤제,실현료소기업대관풍험보상공급효용목표적준학성,발휘료금융류준공공산품공급적유효성급기가지속성,구유교호적차감의의。
Financial quasi-public goods with loan risk compensation features, have limited effect because of some factors in implication process. Qingdao small firm loan risk compensation fund, which risk compensation is firstly on guarantee companies and large firms and then bank to transfer non-performing assets, can realize the supply effect of small firm loan risk compensation, and take advantages of financial quasi-public goods, and ease the finance problem of small firms.