CAJ | 학술논문

融资担保是解决中小企业融资难问题的有效途径,但当前担保机构的发展亦面临着一系列急需解决的问题：担保规模偏低,担保供应面窄;面临＂制度＂与＂市场＂的两难境地;相关法律制度不健全,发展环境有待改善;银行与担保机构的不合理风险承担比例;担保机构实力弱;人员素质有待提高,等等。基于此,建议尽快建立健全中小企业信用评级制度;拓宽资金来源渠道,增强担保实力;加强银保合作,充分放大担保资金作用;创新担保业务;加大人才培养力度;加强财政支持力度等。
융자담보시해결중소기업융자난문제적유효도경,단당전담보궤구적발전역면림착일계렬급수해결적문제：담보규모편저,담보공응면착;면림＂제도＂여＂시장＂적량난경지;상관법률제도불건전,발전배경유대개선;은행여담보궤구적불합리풍험승담비례;담보궤구실력약;인원소질유대제고,등등。기우차,건의진쾌건립건전중소기업신용평급제도;탁관자금래원거도,증강담보실력;가강은보합작,충분방대담보자금작용;창신담보업무;가대인재배양력도;가강재정지지력도등。
Financing guarantee is an effective way to solve the financing difficulties of SMEs（small and medium-size enterprises）.However,the current development of guarantee institutions is facing a number of pressing issues.This article is mainly on the understanding of the problems encountered in the development of guarantee institutions.The main problems encountered in the development of guarantee institutions are as follows： low security scale,narrow guarantee supply;faced with the dilemma of the ＂system＂ and ＂market＂;relevant legal system is not perfect,the development environment needs to be improved;banks and guarantee agencies take unreasonable risk ratio;guarantee institutions are not strong enough;personnel quality needs to be improved.Based on this,it is recommended that to establish a sound credit rating system for SMEs as soon as possible;broaden the sources of funds,and enhance the strength of guarantees;strengthen the co-operation of the bank and insurance,fully enlarge guarantee funds role;innovate guarantee business;intensify personnel training;strengthen financial support.