CAJ | 학술논문

本文通过对山东省聊城市企业融资担保模式的案例研究，分析当前中小企业融资中普遍运用的保证、抵押和质押方式存在的风险隐患，深入剖析中小企业融资特点，探讨了行业担保模式、桥隧模式和“信贷+保险”模式等中小企业的新型融资担保模式。
본문통과대산동성료성시기업융자담보모식적안례연구，분석당전중소기업융자중보편운용적보증、저압화질압방식존재적풍험은환，심입부석중소기업융자특점，탐토료행업담보모식、교수모식화“신대+보험”모식등중소기업적신형융자담보모식。
Through the case study on the financing guarantee mode in Liaocheng, this paper studies the risks un-derlying in the guarantee,mortgage and pledge that are used commonly in the financing of small and medium-sized en-terprises. Furthermore, based on deeply analyzing the financing features of small and medium-sized enterprises, this paper proposes the industry guarantee mode, bridge and tunnel mode and combination of credit and insurance model under China’s current macro-economic background and financial service system, which are of great promotion value and can alleviate the difficulty of small and medium-sized enterprises to some extent.