金融发展研究
金融髮展研究
금융발전연구
JOURNAL OF FINANCIAL DEVELOPMENT RESEARCH
2015年
1期
32-36
,共5页
中小企业%担保圈%顺周期%俱乐部理论
中小企業%擔保圈%順週期%俱樂部理論
중소기업%담보권%순주기%구악부이론
SMEs%guarantee circle%pro-cyclicality%club theory
本文以俱乐部理论为研究视角，对山东省J市中小民营企业担保圈的形成、扩张、破裂的演化过程进行了分析，认为经济顺周期掩盖了中小企业担保圈的脆弱性、不对等性以及风险的传染性和系统性。基于此，本文认为中小企业担保圈应该有限发展，优化其规模、边界和对等性，并辅之以主办银行制度和贷款保证保险制度。
本文以俱樂部理論為研究視角，對山東省J市中小民營企業擔保圈的形成、擴張、破裂的縯化過程進行瞭分析，認為經濟順週期掩蓋瞭中小企業擔保圈的脆弱性、不對等性以及風險的傳染性和繫統性。基于此，本文認為中小企業擔保圈應該有限髮展，優化其規模、邊界和對等性，併輔之以主辦銀行製度和貸款保證保險製度。
본문이구악부이론위연구시각，대산동성J시중소민영기업담보권적형성、확장、파렬적연화과정진행료분석，인위경제순주기엄개료중소기업담보권적취약성、불대등성이급풍험적전염성화계통성。기우차，본문인위중소기업담보권응해유한발전，우화기규모、변계화대등성，병보지이주판은행제도화대관보증보험제도。
From the perspective of club theory, this paper will analyze the whole evolution process of small and medium private enterprises (SMEs) guarantee circle in J city of Tsingtao,including formation,expansion and bank-ruptcy. Result shows that, the booming economy covers the fragility and the unequivalence of SMEs guarantee circle as well as the contagious and systematic of risks. Therefore, we should prudent control the development of SMEs guar-antee circle, improve its access requirements, organization border and equivalence. New financial patterns such as leading bank and loan guarantee insurance should be created to cover the shortage of SMEs.
