科技管理研究
科技管理研究
과기관리연구
SCIENCE AND TECHNOLOGY MANAGEMENT RESEARCH
2014年
15期
17-21
,共5页
政策性担保机构%中小企业%企业融资%制度约束
政策性擔保機構%中小企業%企業融資%製度約束
정책성담보궤구%중소기업%기업융자%제도약속
policy guarantee organizations%small and medium enterprises%enterprise financing%institutional constraints
在对江苏、山东、四川3省36家担保机构问卷调查的基础上，系统归纳我国政策性信用担保机构在支持中小企业融资过程中的几点现实约束，如政府扶持力度有待加强、与银行的合作关系不够密切、风险分担机制不完善等。结合我国担保业的现状，要使政策性信用担保的作用得到充分发挥，必须加大政府扶持力度、强化银保合作、完善再担保体系建设、完善自身担保制度和机制，以破解政策性担保机构的体制机制约束。
在對江囌、山東、四川3省36傢擔保機構問捲調查的基礎上，繫統歸納我國政策性信用擔保機構在支持中小企業融資過程中的幾點現實約束，如政府扶持力度有待加彊、與銀行的閤作關繫不夠密切、風險分擔機製不完善等。結閤我國擔保業的現狀，要使政策性信用擔保的作用得到充分髮揮，必鬚加大政府扶持力度、彊化銀保閤作、完善再擔保體繫建設、完善自身擔保製度和機製，以破解政策性擔保機構的體製機製約束。
재대강소、산동、사천3성36가담보궤구문권조사적기출상，계통귀납아국정책성신용담보궤구재지지중소기업융자과정중적궤점현실약속，여정부부지력도유대가강、여은행적합작관계불구밀절、풍험분담궤제불완선등。결합아국담보업적현상，요사정책성신용담보적작용득도충분발휘，필수가대정부부지력도、강화은보합작、완선재담보체계건설、완선자신담보제도화궤제，이파해정책성담보궤구적체제궤제약속。
Based on questionnaire of 36 policy guarantee organizations (CGOs)from Jiangsu,Shandong and Sichuan Prov-inces,this paper concludes several realistic constraints which some CGOs face in the process of supporting small and medi-um enterprises (SMEs). They are inadequate government support,not close relation between CGOs and banks,imperfect risk-sharing mechanism and so on. According to current situation of guarantee industry in China,some countermeasures should be taken in order to bring into the role of CGOs play. For instance,governments should increase support to CGOs, strengthen the cooperation between CGOs and banks,consummate reguarantee system,improve guarantee system and mech-anism. Through above measures these constraints which CGOs face should be relieved or solved in the future.
