重庆理工大学学报：社会科学版
重慶理工大學學報：社會科學版
중경리공대학학보：사회과학판
Journal of Chongqing Institute of Technology
2015年
5期
1~4
,共null页
金融政策 信用担保 融资性担保
金融政策 信用擔保 融資性擔保
금융정책 신용담보 융자성담보
financial policy;credit guaranty;financing guarantee
由于财政资金短缺、没有找到适合担保特点的运作机制等原因,我国的信用担保体系正式运行不久,以商业性担保为主担保体系,以营利为目的的商业性融资担保公司就开始大量出现。随着形势的发展,这种以商业性担保为主的担保公司的弊端日益暴露,不可持续性凸显。因此,要转变发展信用担保体系的思路;重构国家层面的信用担保框架,设立不以营利为目的的信用担保机制;通过改革和创新促使现有商业性担保体系化解风险,来实现担保行业的可持续发展。
由于財政資金短缺、沒有找到適閤擔保特點的運作機製等原因,我國的信用擔保體繫正式運行不久,以商業性擔保為主擔保體繫,以營利為目的的商業性融資擔保公司就開始大量齣現。隨著形勢的髮展,這種以商業性擔保為主的擔保公司的弊耑日益暴露,不可持續性凸顯。因此,要轉變髮展信用擔保體繫的思路;重構國傢層麵的信用擔保框架,設立不以營利為目的的信用擔保機製;通過改革和創新促使現有商業性擔保體繫化解風險,來實現擔保行業的可持續髮展。
유우재정자금단결、몰유조도괄합담보특점적운작궤제등원인,아국적신용담보체계정식운행불구,이상업성담보위주담보체계,이영리위목적적상업성융자담보공사취개시대량출현。수착형세적발전,저충이상업성담보위주적담보공사적폐단일익폭로,불가지속성철현。인차,요전변발전신용담보체계적사로;중구국가층면적신용담보광가,설립불이영리위목적적신용담보궤제;통과개혁화창신촉사현유상업성담보체계화해풍험,래실현담보행업적가지속발전。
For the reasons such as the lack of financial fund,the fact that it is hard to find appropriate operation mechanism which can suit to the characteristics of guaranty and so on,numerous commercial financing guaranty companies which taking commercial guaranty as the main commercial activity and aims to collect money raised up later after the operation of credit guaranty system. While the effects of these commercial guaranty companies show up latterly and occurred with the development of situation. This paper put forward that we should transfer the development idea of credit guaranty system,and should reconstruct the credit guaranty structure in the national level and should set up credit guaranty system which does not for profit. At the same time,we should promote the capability of defusing risks of commercial financing guaranty system to realize the sustainable development of guaranty industries.
