CAJ | 학술논문

建立信用担保机构体系是解决中小企业融资难问题的一条有效途径。以浙江省中小企业信用担保机构为研究对象,实证分析了实收资本规模、人力资本、主营业务占比、合作银行家数、担保机构承担风险比例、担保对象中小企业占比等因素对政策性、商业性、互助性等三类担保机构运行效率的影响方向和程度,探讨了三类担保机构运行效率的差异性。
건립신용담보궤구체계시해결중소기업융자난문제적일조유효도경。이절강성중소기업신용담보궤구위연구대상,실증분석료실수자본규모、인력자본、주영업무점비、합작은행가수、담보궤구승담풍험비례、담보대상중소기업점비등인소대정책성、상업성、호조성등삼류담보궤구운행효솔적영향방향화정도,탐토료삼류담보궤구운행효솔적차이성。
To establish credit guarantee system is an effective way of solving the problem of SMEs＇ financing.By empirical studies on the SMEs＇ credit guarantee agencies in Zhejiang province,this paper analyzes the influencing orientation and extent of the operating efficiency of policy,commercial,mutual assistance of guarantee agencies made by the real capital size,human resources,the main business share,the number of cooperative banks,the proportion of risk taken by guarantee agencies,the proportion of SMEs,and discusses the differences in operating efficiency of these three types of guarantee agencies.