技术经济与管理研究
技術經濟與管理研究
기술경제여관리연구
TECHNOECONOMICS & MANAGEMENT RESEARCH
2014年
2期
78-82
,共5页
中小企业%信用再担保%银保风险共担%企业融资
中小企業%信用再擔保%銀保風險共擔%企業融資
중소기업%신용재담보%은보풍험공담%기업융자
Small and medium-sized enterprises%Creditre-guarantee%Bank and insurance risk-sharing%Corporate financing
近年来，我国中小企业信用再担保体系的发展为中小企业融资做出了巨大贡献，但作为贷款风险分散机构，担保机构、再担保机构在与银行合作过程中一直处于弱势地位。我国再担保机构一直致力于完善银保合作机制，加强银保沟通，实现银保风险共担。国外一些再担保体系在银保风险共担方面相对比较成熟，值得我国再担保体系学习和借鉴。本文以再担保机构、担保机构和合作银行为研究对象，运用系统动力学，建立中小企业信用再担保体系动态仿真模型。将江苏省再担保数据，代入模型仿真模拟，研究银保风险共担对信用再担保体系系统模型内主体经济收益的影响，研究结果表明，银行在银保合作中承担一定风险，可以抵御代偿率增加对再担保体系发展的负面影响，在一定程度上能够保证再担保体系的可持续发展，从而保证银行能够获得更为长远的利益。
近年來，我國中小企業信用再擔保體繫的髮展為中小企業融資做齣瞭巨大貢獻，但作為貸款風險分散機構，擔保機構、再擔保機構在與銀行閤作過程中一直處于弱勢地位。我國再擔保機構一直緻力于完善銀保閤作機製，加彊銀保溝通，實現銀保風險共擔。國外一些再擔保體繫在銀保風險共擔方麵相對比較成熟，值得我國再擔保體繫學習和藉鑒。本文以再擔保機構、擔保機構和閤作銀行為研究對象，運用繫統動力學，建立中小企業信用再擔保體繫動態倣真模型。將江囌省再擔保數據，代入模型倣真模擬，研究銀保風險共擔對信用再擔保體繫繫統模型內主體經濟收益的影響，研究結果錶明，銀行在銀保閤作中承擔一定風險，可以牴禦代償率增加對再擔保體繫髮展的負麵影響，在一定程度上能夠保證再擔保體繫的可持續髮展，從而保證銀行能夠穫得更為長遠的利益。
근년래，아국중소기업신용재담보체계적발전위중소기업융자주출료거대공헌，단작위대관풍험분산궤구，담보궤구、재담보궤구재여은행합작과정중일직처우약세지위。아국재담보궤구일직치력우완선은보합작궤제，가강은보구통，실현은보풍험공담。국외일사재담보체계재은보풍험공담방면상대비교성숙，치득아국재담보체계학습화차감。본문이재담보궤구、담보궤구화합작은행위연구대상，운용계통동역학，건립중소기업신용재담보체계동태방진모형。장강소성재담보수거，대입모형방진모의，연구은보풍험공담대신용재담보체계계통모형내주체경제수익적영향，연구결과표명，은행재은보합작중승담일정풍험，가이저어대상솔증가대재담보체계발전적부면영향，재일정정도상능구보증재담보체계적가지속발전，종이보증은행능구획득경위장원적이익。
In recent years, the development of credit re-guarantee system for Medium-Sized Enterprises (SME) has made great contribution for SME finance in China. As loan risk diversification institution , guarantee and re-guarantee institutions are always at weak positions when they are cooperating with banks. The re-guarantee institutions in China are trying to commit to improve the cooperation mechanism of bank-guarantee, strengthening communication and achieving bank-guarantee risk sharing. The re-guarantee system of risk sharing in some foreign countries is relatively mature and worthy to learn. The re-guarantee inst-itutions, guarantee institutions and cooperative banks have been studied, and the dynamic simulated model of credit re-guarantee system for SME has been constructed. Re-guarantee data from Jiangsu Province have been calculated in the simulated model. The important influences of bank-guarantee risk sharing to the benefits from credit re-guarantee system model have been researched. The results show that banks assuming a certain risk in the process of cooperating with the guarantee institutions can resist the negative effects in development of re-guarantee system with the increasing of compensatory rate. The certain extent of cooperation ensures the sustainable development of re-guarantee system in order to ensure banks to get more long-term interests.
