金融发展研究
金融髮展研究
금융발전연구
JOURNAL OF FINANCIAL DEVELOPMENT RESEARCH
2012年
2期
56-60
,共5页
外部增信%互助担保%助保金%中小企业
外部增信%互助擔保%助保金%中小企業
외부증신%호조담보%조보금%중소기업
outer credit addition%mutual guarantee%guarantee-assistant fund%small and medium enterprises
成长型中小企业抗风险能力较弱、有效抵押不足的特点，决定了传统的抵押和保证方式难以满足其贷款需求。解决成长型企业贷款担保难问题，必须内外兼顾，在保持内源性担保资源的基础上，探索与外源性担保资源相结合的新途径。建设银行淄博市分行借助政府增信平台和企业缴纳一定比例的助保金组成“助保金池”，在山东省淄博市博山区试点推出了助保金贷款业务，开创了“政银企”三方合作融资的新模式。
成長型中小企業抗風險能力較弱、有效牴押不足的特點，決定瞭傳統的牴押和保證方式難以滿足其貸款需求。解決成長型企業貸款擔保難問題，必鬚內外兼顧，在保持內源性擔保資源的基礎上，探索與外源性擔保資源相結閤的新途徑。建設銀行淄博市分行藉助政府增信平檯和企業繳納一定比例的助保金組成“助保金池”，在山東省淄博市博山區試點推齣瞭助保金貸款業務，開創瞭“政銀企”三方閤作融資的新模式。
성장형중소기업항풍험능력교약、유효저압불족적특점，결정료전통적저압화보증방식난이만족기대관수구。해결성장형기업대관담보난문제，필수내외겸고，재보지내원성담보자원적기출상，탐색여외원성담보자원상결합적신도경。건설은행치박시분행차조정부증신평태화기업격납일정비례적조보금조성“조보금지”，재산동성치박시박산구시점추출료조보금대관업무，개창료“정은기”삼방합작융자적신모식。
Growing SMEs are lack of risk resistant ability and mortgage, and these features determines that traditional manner of mortgage and guarantee cannot meet their financial demand. To solve this problem, on the base of maintaining inner guarantee resources, we must explore new method of combining inner and outer guarantee resources. The CCB Zibo branch creates a new method of financing by the cooperation of government, bank and enterprises, namely utilizing government credit-added platform and demanding enterprises to hand in some percentage of money to form the pool of guarantee-assistant fund.
