贵州财经学院学报
貴州財經學院學報
귀주재경학원학보
Journal of Guizhou College of Finance and Economics
2012年
6期
71~76
,共null页
信贷配给 融资担保 边际信誉成本
信貸配給 融資擔保 邊際信譽成本
신대배급 융자담보 변제신예성본
credit rationing;financing guarantee;marginal credit cost
全球范围内，中小企业由于信用担保的弱势而成为银行实施“信贷配给”的对象。中小企业融资担保凭借风险处置的优势，解决了中小企业融资的弱势，即银企之间的信息不对称问题。本文通过对日本、美国和意大利三国的融资担保模式的综合比较，得出我国当前应当选择互助性融资担保机构的结论。
全毬範圍內，中小企業由于信用擔保的弱勢而成為銀行實施“信貸配給”的對象。中小企業融資擔保憑藉風險處置的優勢，解決瞭中小企業融資的弱勢，即銀企之間的信息不對稱問題。本文通過對日本、美國和意大利三國的融資擔保模式的綜閤比較，得齣我國噹前應噹選擇互助性融資擔保機構的結論。
전구범위내，중소기업유우신용담보적약세이성위은행실시“신대배급”적대상。중소기업융자담보빙차풍험처치적우세，해결료중소기업융자적약세，즉은기지간적신식불대칭문제。본문통과대일본、미국화의대리삼국적융자담보모식적종합비교，득출아국당전응당선택호조성융자담보궤구적결론。
SMEs have become the object of banks＇ credit rationing globally for their disadvantages of credit. By virtue of the advantages of risk disposal, financing guarantee has solved the financing disadvantages of small and medium enterprises （SMEs） which are information asymmetry between banks and enterprises. Through the comprehensive comparison of financing guarantee modes among Japan, USA and Italy, we have drawn the conclusion that mutual financing guarantee organization is more suitable for China.
