商业研究
商業研究
상업연구
Commercial Research
2012年
7期
179~182
,共null页
担保机构 困境 市场定位
擔保機構 睏境 市場定位
담보궤구 곤경 시장정위
guarantee institution;dilemma;maket positioning
目前,我国中小企业担保机构面临着主体模式困境、风控模式趋于银行化以及盈利模式困境,造成这些困境的主要原因在于担保机构缺乏清晰的市场定位。通过构建担保服务对象-业务品种-反担保条件三维市场定位模型,本文对政策性担保机构、商业性担保机构和互助性担保机构进行明确的市场定位,即政策性担保机构应为符合国家或地区产业政策且缺乏足够抵押品的潜在优质企业提供贷款担保;商业性担保机构应为有市场、有前景、有效益的显在优质企业提供商业性担保;互助性担保机构应为社区会员型企业提供贷款担保。
目前,我國中小企業擔保機構麵臨著主體模式睏境、風控模式趨于銀行化以及盈利模式睏境,造成這些睏境的主要原因在于擔保機構缺乏清晰的市場定位。通過構建擔保服務對象-業務品種-反擔保條件三維市場定位模型,本文對政策性擔保機構、商業性擔保機構和互助性擔保機構進行明確的市場定位,即政策性擔保機構應為符閤國傢或地區產業政策且缺乏足夠牴押品的潛在優質企業提供貸款擔保;商業性擔保機構應為有市場、有前景、有效益的顯在優質企業提供商業性擔保;互助性擔保機構應為社區會員型企業提供貸款擔保。
목전,아국중소기업담보궤구면림착주체모식곤경、풍공모식추우은행화이급영리모식곤경,조성저사곤경적주요원인재우담보궤구결핍청석적시장정위。통과구건담보복무대상-업무품충-반담보조건삼유시장정위모형,본문대정책성담보궤구、상업성담보궤구화호조성담보궤구진행명학적시장정위,즉정책성담보궤구응위부합국가혹지구산업정책차결핍족구저압품적잠재우질기업제공대관담보;상업성담보궤구응위유시장、유전경、유효익적현재우질기업제공상업성담보;호조성담보궤구응위사구회원형기업제공대관담보。
This paper reveals the three difficulties of China′s SME guarantee institutions:the plight of the main mode,the risk control of model tends to bank and the dilemma of profit model.The main reason is the lack of clear market positioning for guarantee agencies.By building three dimensional market positioning models of guarantee target-business types-counter-guarantee conditions,the paper makes a clear market positioning for policy guarantee institutions,commercial guarantee institutions and mutual guarantee institutions.The market positioning of policy guarantee institutions is providing loan guarantees for potential high-quality companies,which conform to national or regional industrial policy and lack of adequate collateral;The market positioning of commercial guarantee institutions is providing commercial guarantee for apparent high-quality businesses which has market,promising and benefit;The market positioning of mutual guarantee institutions is providing loan guarantees for community member enterprises.