CAJ | 학술논문

我国战略性新兴产业发展中信贷担保体系不健全，表现在担保机构“鱼龙混杂”、监管缺位现象严重、担保机构与商业银行有效协作缺失、担保机构与商业银行地位不平等、担保机构对担保企业资质缺乏鉴别能力、对担保企业抵押品缺乏足够的了解等方面。建立并完善战略性新兴产业担保体系，应加强战略性新兴产业信贷担保体系建设，建立战略性新兴产业担保风险补偿基金，健全战略性新兴产业担保机构再担保机制，创立战略性新兴产业担保协作联盟，完善战略性新兴产业担保服务体系。
아국전략성신흥산업발전중신대담보체계불건전，표현재담보궤구“어룡혼잡”、감관결위현상엄중、담보궤구여상업은행유효협작결실、담보궤구여상업은행지위불평등、담보궤구대담보기업자질결핍감별능력、대담보기업저압품결핍족구적료해등방면。건립병완선전략성신흥산업담보체계，응가강전략성신흥산업신대담보체계건설，건립전략성신흥산업담보풍험보상기금，건전전략성신흥산업담보궤구재담보궤제，창립전략성신흥산업담보협작련맹，완선전략성신흥산업담보복무체계。
Credit guarantee system of China＇s strategic emerging industry development is not perfect and embodies mainly in following aspects, ＂dragons and fishes jumbled together＂ in the Guarantee Agency, serious lack of supervision, lack of effective cooperation between guarantee agencies and commercial banks, unequal status of guarantee agencies and commercial banks, guarantee agencies＇ lack of identification ability of enterprise qualification, and lack of enough understanding of collateral security enterprises. Establishing and improving the strategic emerging industry security system, should strengthen the strategic emerging industry credit guarantee system construction, establish strategic emerging industry risk compensation fund, perfect the guarantee mechanism of strategic emerging industry re-guarantee mechanism, create strategic emerging industries credit cooperation union, and perfect guarantee strategic emerging industry service system.